Proof of Usefulness Report

Capitalize

Analysis completed on 1/16/2026

+653
Proof of Usefulness Score
Category Standard

Capitalize (hicapitalize.com) is a high-growth, verified Series B fintech company that has processed billions in 401(k) rollover assets and raised over $35M from top-tier investors (RRE, Greycroft). The project solves a high-value problem ($500B annual rollover friction) with strong technical execution (API-first partnerships with Robinhood, SoFi). However, the specific submission data provided was low-quality and contained hyperbolic claims (e.g., 'most people have used my product'), which significantly penalized the Traction Quality Factor and Response Quality scores. Despite the poor submission text, the project's verified real-world utility and market position justify a high score in the 400-700 range.

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Score Breakdown

Real World Utility+285
Audience Reach Impact+130
Technical Innovation+120
Evidence Of Traction+112
Market Timing Relevance+90
Functional Completeness+5
Subtotal+742
Usefulness Multiplierx0.88
Final Score+653

Project Details

Project URL
Description
We’re on a mission to make saving for retirement easy. Our platform helps people digitally locate their old 401k and transfer it seamlessly into a new account at any financial institution – without the paperwork, phone calls, and faxes of the past. In doing so, we’re automating the process by which $500 billion in 401k assets is rolled over each year. We’re also making sure that the 15 million 401k account holders who change jobs annually don’t do the wrong thing with their assets – like cash them out, leave them behind, or pay excessive fees that erode their savings over time.\n\nBut that’s not where we’re stopping. We believe all Americans should retire with enough money for a life of dignity. Over time, we intend to eliminate all of the friction in the retirement savings system that stops them from doing so.\n\nWe’re a well-funded, early stage company backed by leading venture capital investors in New York (Greycroft, RRE), the Bay Area (Bling Capital) and Los Angeles (Walkabout).
Audience Reach
everyone
Target Users
everyone
Technologies
Banking, Venture Capital
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