HENO (Healthcare Now) is a verifiable BNPL fintech in Vietnam serving the medical/beauty sector with approximately 10,000 customers and 50+ partner clinics. While the project addresses a genuine problem (healthcare affordability), the submission itself is of very low quality, containing demonstrably false claims ('most people have used my product', 'audience: everyone'). The score reflects the project's actual validated utility and 'Minimal' traction (<50k users) per calibration guidelines, heavily penalized for exaggerated submission data.
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