Proof of Usefulness Report

Cross River

Analysis completed on 1/24/2026

+663
Proof of Usefulness Score
Category Standard

Cross River is a verified 'unicorn' fintech infrastructure provider with an estimated valuation of ~$3B and annual revenue exceeding $500M, serving major clients like Affirm and Stripe. However, the project submission itself was of extremely low quality, containing significant inaccuracies (listing market cap as 75M instead of 3B, and team size as 7,500 instead of ~1,500) and low-effort descriptions ('link in bio'). While the underlying business has exceptional utility and traction, the score is penalized by the poor reliability of the submitted data.

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Score Breakdown

Real World Utility+237.5
Audience Reach Impact+144.0
Technical Innovation+102.0
Evidence Of Traction+180.0
Market Timing Relevance+85.0
Functional Completeness+5.0
Subtotal+753.5
Usefulness Multiplierx0.88
Final Score+663

Project Details

Project URL
Description
We’re a SaaS company delivering transparency and efficiency to the consumer credit ecosystem. Subscribe to the leading consumer lending newsletter - link in bio!

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