Proof of Usefulness Report

Dv01

Analysis completed on 2/6/2026

+571
Proof of Usefulness Score
Industry Mainstay

dv01 is a verified, high-impact fintech subsidiary of Fitch Solutions with over $5T in loan data, positioning it well within the 'Much Larger Scale' calibration tier. However, the submission itself is of poor quality, featuring lazy responses ('Computer Software'), factual inaccuracies regarding audience ('everyone'), and false traction claims ('most people have used my product'). The score reflects the high intrinsic value and verifiable market position of the technology, significantly penalized by the low quality and reliability of the submission data.

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Score Breakdown

Real World Utility+230.0
Audience Reach Impact+112.0
Technical Innovation+56.25
Evidence Of Traction+135.0
Market Timing Relevance+85.0
Functional Completeness+2.5
Subtotal+620.75
Usefulness Multiplierx0.92
Final Score+571

Project Details

Project URL
dv01.co
Description
dv01, a FitchSolutions Company, is a leading capital markets fintech firm driving technological innovation and loan-level transparency in structured finance. As the world’s first end-to-end data management, reporting, and analytics platform for loan-level lending data, dv01 is bringing unparalleled transparency and intelligence to every loan for every stakeholder. With over 120 million loans, 900 securitizations, and $5 trillion in original balance across consumer unsecured, mortgage, small business, student loan, point of sale, small business, solar, and auto loans, dv01 is building the most comprehensive loan data library across lending markets and empowering the capital markets with world-class tools to make safer data-driven decisions.

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