9Pay

9Pay is a verified, licensed payment intermediary in Vietnam (State Bank of Vietnam License 41/GP-NHNN) with significant market traction, claiming over 2.5 million users and partnerships with major global entities like TikTok and Visa. While the project demonstrates high real-world utility and robust growth (processing trillions of VND in transaction volume), the submission quality was exceptionally poor—containing vague, exaggerated claims (e.g., 'most people have used my product', 'audience reach: everyone') and lacking specific data. The final score reflects the strong underlying business fundamentals heavily penalized by the lack of verifiable evidence provided directly in the application.