Proof of Usefulness Report

Card91

Analysis completed on 2/14/2026

+515
Proof of Usefulness Score
Industry Mainstay

Card91 is a legitimate, venture-backed fintech infrastructure company (Series A, ~$13M-14M funding) partnering with major entities like Yes Bank and RuPay. However, the submission quality is critically low, containing significant exaggerations (claiming a team size of 350 vs. actual ~75; claiming 'most people have used my product' for a B2B API service). While the project itself has high real-world utility and verified backing, the score is penalized by the inaccuracy of the user-provided data.

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Score Breakdown

Real World Utility+191.25
Audience Reach Impact+50.0
Technical Innovation+112.5
Evidence Of Traction+120.0
Market Timing Relevance+85.0
Functional Completeness+5.0
Subtotal+563.75
Usefulness Multiplierx0.91
Final Score+515

Project Details

Project URL
Description
CARD91 is an Issuance Platform-as-a-Service company. CARD91 offers unparalleled technology infrastructure to banks, SMEs, corporates & fintech, helping them issue payment instruments (PPI, Debit, Credit & Multi-Currency) to their customers, vendors, partners, and employees thereby enabling faster decision making, controlling, and view on transactions. CARD91’s ability to support multiple payment instrument agnostic use cases strengthens its vision of making issuance seamless and faster for the customers. The cutting-edge technology consists of an Issuer Processor (switch), a card management system, a fully configurable program manager layer, and a host of other ancillary products accentuating issuance. The products empower banks and businesses to get simplified, scalable, secure, and faster card issuance and processing services. CARD91’s products cater to glocal requirements and the deep collaboration with card networks like RuPay, Visa, and Mastercard provides an opportunity to scale the products for customers globally.

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