Jianpu Technology operates an open financial product marketplace in China under the Rong360 brand, connecting consumers and small businesses with banks and licensed lenders. Users browse and compare loan products for free, while Jianpu charges the financial institutions on the other side for customer acquisition. Revenue is primarily earned on a cost-per-action (CPA) basis, triggered when a user completes a loan application, with some revenue structured as a percentage of loan principal ultimately underwritten. Key revenue drivers include platform traffic volume, the quality of Jianpu's borrower-lender matching engine, and the breadth of lender relationships on the platform. Beyond loan recommendations, Jianpu sells "Digital Intelligence as a Service" (DIaaS) to financial institutions — including credit scoring models, fraud detection tools, and SaaS-based loan origination systems — generating a separate technology licensing revenue stream. Jianpu also runs an integrated marketing solutions business serving e-commerce and telecom companies, which generated RMB96.1M in 2025. The company has been narrowing its focus: it sold its insurance brokerage subsidiary in 2024 and wound down its credit card recommendation business in early 2026. Geographically, Jianpu operates primarily in mainland China, with additional operations in Hong Kong and early-stage presence in Southeast Asia, including financial marketplace and credit scoring registrations in Indonesia.