Guangzhishu builds privacy-preserving and scalable blockchain-based data collaboration protocols to bring inclusive finance to underserved populations and improve financial institution efficiencies. Its Points (PTS) protocol allows secure computation to be performed across data silos without exposing the raw data. Individuals can own their personal data on their devices and directly contribute their profiles to use cases such as credit scoring. The Points (PTS) protocol has connected more than 2 billion pieces of data, serving more than 500 million people in China, while expanding into other developing markets in South-East Asia.