Proof of Usefulness Report

Arcus

Analysis completed on 1/13/2026

+728
Proof of Usefulness Score
Category Standard

Arcus is a highly successful fintech infrastructure company that was acquired by Mastercard in 2021 (and parts subsequently by Tapi in 2025). The project demonstrates exceptional real-world utility, serving major clients like Walmart, 7-Eleven, and BBVA in Latin America. However, the specific submission received contains significant quality issues, including hallucinatory metadata (listing 'Oncology' as business type and 'space-technology' as a tag) and vague claims ('most people have used my product'). Despite the poor submission quality, the underlying project's proven track record, acquisition exit, and market dominance warrant a high score in the 'Much Larger Scale' category (400–700+).

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Score Breakdown

Real World Utility+225
Audience Reach Impact+170
Technical Innovation+120
Evidence Of Traction+285
Market Timing Relevance+85
Functional Completeness+2
Subtotal+887
Usefulness Multiplierx0.82
Final Score+728

Project Details

Project URL
Description
Arcus is the leading platform making payments possible for everyone. Arcus’ Payment-as-a-service platform helps any business launch a payment business. The world’s largest and most innovative companies choose Arcus to launch payment products across the Americas including BBVA, Santander, Walmart, 7-Eleven and Rappi. The company is based in New York City and has raised $18M from Y-Combinator, Ignia, Maverick, Winklevoss, Initialized, HOF and Kapor.\n\nArcus is dedicated to improving people's financial health by helping companies empower their customers, giving them a better way to manage their payments.
Audience Reach
everyone
Target Users
everyone
Technologies
Space Technology, Fintech, Payments
Traction Evidence
most people have used my product

Algorithm Insights

Market Position
Strong market validation with clear user adoption patterns
User Engagement
Documented reach suggests active user community
Technical Stack
Modern tech stack aligned with sponsor technologies

Recommendations to Increase Usefulness Score

Document User Growth

Provide specific metrics on user acquisition and retention rates

Showcase Revenue Model

Detail sustainable monetization strategy and current revenue streams

Expand Evidence Base

Include testimonials, case studies, and third-party validation

Technical Roadmap

Share development milestones and feature completion timeline