Proof of Usefulness Report

BharatX

Analysis completed on 1/15/2026

+442
Proof of Usefulness Score
Certified Problem Solver

BharatX is a high-potential fintech infrastructure provider (YC W22) enabling 'Credit-as-a-Feature'. External verification confirms significant traction, including a recent acquisition by Super.Money (Flipkart Group) in Feb 2025 and $4.5M+ in prior funding. While the submission quality was poor (vague claims like 'most people', incorrect revenue fields), the underlying technology and verifiable market exit demonstrate exceptional utility and traction. The platform solves a genuine problem in the B2B2C credit space with strong developer utility.

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Score Breakdown

Real World Utility+22
Audience Reach Impact+16
Technical Innovation+14
Evidence Of Traction+35
Market Timing Relevance+9
Functional Completeness+0
Subtotal+98
Usefulness Multiplierx4.5
Final Score+442

Project Details

Project URL
bharatx.tech
Description
BharatX is a Technology platform, whose APIs or SDK can be integrated by any developer in less than 100 lines of code within 30 mins, providing access to their customers an easy way to get credit without any Documentation upload or physical check required. \n\nWe provide users with the full credit limit they deserve using access to new Data sources that provide access to the full financial profile of the individual, proprietary algorithms that make our solutions applicable to those who do not have the required documents as well as an Ecosystem that provides cheap access to Credit for consumers while lowering Default rates.
Audience Reach
everyone
Target Users
everyone
Technologies
Developer Tools, Banking
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