Proof of Usefulness Report

B2B Pay

Analysis completed on 1/15/2026

+167
Proof of Usefulness Score
Gaining Momentum

B2B Pay is a legitimate, established fintech (founded ~2015, Finland) providing virtual IBANs and payment solutions for exporters. External verification confirms a customer base of approximately 3,000 businesses, significantly contradicting the submission's hyperbolic claim that "most people have used my product." While the solution offers genuine utility for SMEs and has verifiable traction, the extremely low quality of the submission (vague claims, lack of data) and slow growth relative to competitors (Wise, Payoneer) negatively impact the score. The project falls into the 'Small but promising' category, penalized heavily for the lack of professional detail in the input.

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Score Breakdown

Real World Utility+75
Audience Reach Impact+22
Technical Innovation+21
Evidence Of Traction+40
Market Timing Relevance+20
Functional Completeness+1
Subtotal+180
Usefulness Multiplierx0.93
Final Score+167

Project Details

Project URL
b2bpay.co
Description
Making it simple, cheap and easy for exporters to receive money from customers in Europe.\n\n✓ Have a free payments account in Europe to receive € payments (for free) from 34 European countries\n✓ Remove banking bureaucracy and speed up payments\n✓ Save fees: Save 3 to 6% in banking and foreign exchange fees\n✓ Can include the payment account details on invoices, contracts, websites, eshops\n✓ Make your customers happy by allowing them to make a local European transfer and not a complicated overseas payment\n\n
Audience Reach
everyone
Target Users
everyone
Technologies
Fintech, Business Development, Payments
Traction Evidence
most people have used my product

Algorithm Insights

Market Position
Growing utility with room for optimization
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