Proof of Usefulness Report

Crediflo

Analysis completed on 2/6/2026

+318
Proof of Usefulness Score
Certified Problem Solver

Crediflo is a verified, SAMA-licensed fintech platform in Saudi Arabia addressing a critical SME financing gap. External search confirms significant traction (1,000+ SMEs served, 500M+ SAR financed) and a team size of ~30, which contradicts the submission's vague and hyperbolic claims ('most people have used my product', 'audience: everyone'). While the real-world utility and market timing are exceptional (aligned with Saudi Vision 2030), the score is heavily penalized by the low-quality, inaccurate submission data. The project is far more mature than the application suggests.

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Score Breakdown

Real World Utility+85.0
Audience Reach Impact+32.0
Technical Innovation+65.0
Evidence Of Traction+52.5
Market Timing Relevance+104.5
Functional Completeness+10.0
Subtotal+349
Usefulness Multiplierx0.91
Final Score+318

Project Details

Project URL
Description
We are an innovation hub leveraging AI and open banking to revolutionize the SME Financing landscape. With streamlined application-to-cash cycles, businesses gain digital access to funding from multiple lenders. Lenders benefit from an intuitive product builder, simplified loan repayment, and open banking integration for enhanced risk management. Pre-integrated in Saudi Arabia, Crediflo offers rapid deployment, reducing time and costs by up to 90%

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