Proof of Usefulness Report

ClearScore

Analysis completed on 1/24/2026

+532
Proof of Usefulness Score
Industry Mainstay

ClearScore is a verified fintech unicorn with over 24 million users and £100M+ in revenue, far exceeding the scale of typical project submissions. The 'ClearScore Everywhere' initiative is a genuine strategic expansion into embedded finance. However, the submission quality was exceptionally poor, containing errors (e.g., 'marketcap: 17000000' likely referring to users, 'everyone' as audience), vague claims, and a lack of technical detail. The score reflects the massive, verifiable real-world impact and traction of the company, significantly penalized for the low-effort response.

Ready to Compete for $150k+ in Prizes?

Move this data into a HackerNoon blog draft to become eligible for your share of $150k+ in cash and software prizes

View All Reports

Score Breakdown

Real World Utility119 pts (Weighted)
Audience Reach Impact118 pts (Weighted)
Technical Innovation48 pts (Weighted)
Evidence Of Traction147 pts (Weighted)
Market Timing Relevance47 pts (Weighted)
Functional Completeness5 pts (Weighted)
Subtotal+484
Usefulness Multiplierx1.10
Final Score+532

Project Details

Project URL
clearscore.com
Description
ClearScore Everywhere is a new embedded finance proposition that allows retailers and financial services partners to offer real-time credit products within their own websites and apps. This marks a major step in the evolution of ClearScore from a direct-to-consumer brand to a scaled B2B2C marketplace, bringing our proprietary credit-matching platform to third-party digital channels. With ClearScore Everywhere, customers can access credit cards, loans and car finance from ClearScore’s 150+ partners — with decisioning powered by a blend of credit, affordability, and open banking data. By integrating directly with partners like Asda, Co-op, we’re making it easier for people to find the right credit products at the moment they need them most. Get in touch with us at partnerships@clearscore.com to learn more.

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