Proof of Usefulness Report

Decentro

Analysis completed on 1/19/2026

+538
Proof of Usefulness Score
Industry Mainstay

Decentro is a verifiable, high-potential fintech infrastructure platform (Series A funded, YC S20) providing essential Banking-as-a-Service APIs. External validation confirms significant traction (~$2M+ revenue, 1,300+ B2B clients, ~70 employees) and strong product-market fit in the Indian/Singaporean embedded finance sector. However, the submission itself was of extremely poor quality, containing hyperbolic claims ('everyone', 'most people') and zero data, which significantly impacted the Response Quality and Quality Factor penalties. The score reflects the strong underlying business reality despite the weak submission.

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Score Breakdown

Real World Utility+85
Audience Reach Impact+56
Technical Innovation+75
Evidence Of Traction+60
Market Timing Relevance+85
Functional Completeness+5
Subtotal+366
Usefulness Multiplierx1.47
Final Score+538

Project Details

Project URL
Description
Decentro is a plug-and-play Banking as a Service Platform for India & Singapore (and soon beyond), offering multiple modules from KYC to Banking to Payments to Credit.
Audience Reach
everyone
Target Users
everyone
Technologies
Fintech, Banking, Developer Tools
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