Proof of Usefulness Report

FinAccel

Analysis completed on 1/24/2026

+697
Proof of Usefulness Score
Category Standard

The project represents FinAccel (Kredivo), a confirmed 'unicorn' fintech company in Southeast Asia with significant verifiable traction, including a valuation over $1.6B and millions of users. However, the submission itself was of extremely low quality, containing vague claims ('everyone', 'most people') and confusing metrics ('all time marketcap: 35000000' likely erroneous). Despite the poor submission effort, the entity's verifiable real-world utility, massive market reach in Indonesia/SEA, and strong backing by major investors warrant a high score consistent with a mature, high-revenue technology company.

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Score Breakdown

Real World Utility+90
Audience Reach Impact+85
Technical Innovation+75
Evidence Of Traction+92
Market Timing Relevance+80
Functional Completeness+10
Subtotal+82
Usefulness Multiplierx0.85
Final Score+697

Project Details

Project URL
finaccel.co
Description
FinAccel is a financial technology company that leverages deep data analytics across users’ digital footprint to automate credit risk scoring and access to credit in Southeast Asia, the 7th largest economy in the world. FinAccel’s flagship product, Kredivo “Buy now, Pay later”, enables e-commerce buyers to apply and qualify for instant credit and pay back over time. Merchants using Kredivo benefit from providing Point of Sale financing using a 2-click checkout to all eligible buyers. FinAccel is founded by an experienced and well rounded team. The company is backed by some of the biggest investors in the region: Jungle Ventures, NSI Ventures, GMO, AlphaJWC and 500 Startups and regulated by OJK in Indonesia. The company has a flat, egalitarian structure, no politics, no BS; people who are problem solvers, have high ownership and execute fast will thrive here. To know more about Kredivo and FinAccel, visit www.kredivo.com and www.finaccel.co.

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