Proof of Usefulness Report

First Horizon Bank

Analysis completed on 2/6/2026

+43
Proof of Usefulness Score
You're In Business

The submission represents 'First Horizon Bank' (a verifiable, publicly traded institution) but is submitted under the name 'FrostKeeper' with significant data inaccuracies. The market cap is understated by a factor of >100x ($75M vs ~$9B), and the audience claim ('everyone') is hyperbolic. While the email domain (@firsthorizon.com) suggests an internal user, the low-effort response, conflicting project name, and erroneous metrics result in a severe penalty to the score. The evaluation acknowledges the bank's actual utility but penalizes the specific submission quality.

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Score Breakdown

Real World Utility+11.25
Audience Reach Impact+8.0
Technical Innovation+2.25
Evidence Of Traction+11.25
Market Timing Relevance+6.0
Functional Completeness+0.25
Subtotal+39
Usefulness Multiplierx1.09
Final Score+43

Project Details

Project URL
firsthorizon.com
Description
When we opened our doors in 1864 on North Court Street in Memphis, we had a simple mission: to provide the best service to our customers, one opportunity at a time. In the 161 years that followed, our communities transformed and expanded. We’ve seen our business and banking in general grow and adapt to the changing needs of customers through the years. But one thing that will always remain constant is our commitment to financial integrity and to helping our customers take good care of their money. Big bank muscle with small bank hustle. That's First Horizon.

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