This chapter focuses on the co-production of commercial social credit ratings by citizens and e-payment platforms, and on the financial transaction and financial network data provided by citizens when participating in Alibaba and Tencent’s commercial credit-rating systems. It starts by laying out the regional variation in voluntary subscription to commercial credit ratings. It finds that, surprisingly, less developed provinces are taking the lead in this development. The chapter then investigates who engages in data production, focusing on the role of privacy concerns and motivation. Despite strong evidence for privacy concerns, these play a minor role in decisions about joining commercial social credit-rating systems. Instead, citizens predominantly join for financial motivations. Financial rewards help overcome privacy concerns, thus drawing citizens into volunteering their data for the construction of the SCS. Data production is therefore skewed toward those who see SCS as a financial rather than political tool. These users volunteer financial transaction and network data to the firm, which can be leveraged by Alibaba and Tencent as informational and organizational resources in the state–company relationship around developing the SCS.