Proof of Usefulness Report

Financial Conduct Authority

Analysis completed on 1/23/2026

+7
Proof of Usefulness Score
You're In Business

The submission contains significant contradictions and unverifiable claims. While the URL points to the authoritative Financial Conduct Authority (FCA), the description references 'Yonder' (a separate fintech startup). The metrics provided—such as a team size of 10,001, an arbitrary market cap of 1,000,000,001, and the claim that 'most people' have used the product—appear to be hyperbolic or fictitious. The user handle 'CrimsonShade' further suggests this is not an official or serious submission. Consequently, the score reflects a lack of credible evidence despite the high-profile URL.

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Score Breakdown

Real World Utility+2.5
Audience Reach Impact+1.0
Technical Innovation+0.75
Evidence Of Traction+0.125
Market Timing Relevance+2.5
Functional Completeness+0.0
Subtotal+6.875
Usefulness Multiplierx1.02
Final Score+7

Project Details

Project URL
Description
Yonder is a financial wellness company that helps users cut spending, reduce debt and save for the future. Yonder was part of Cohort 7 of the FCA's Regulatory Sandbox.

Algorithm Insights

Market Position
Growing utility with room for optimization
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