Proof of Usefulness Report

Incuto

Analysis completed on 1/23/2026

+454
Proof of Usefulness Score
Industry Mainstay

Incuto is a verified, established UK fintech (founded 2016) providing digital banking infrastructure to credit unions and community banks. External validation confirms significant traction ($2M+ est. revenue, 35+ partner institutions, 25M+ user logins, £900M+ loans processed), which aligns with the 'Comparable Scale' calibration tier. However, the submission itself was of very poor quality, containing factually incorrect claims ('most people have used my product', 'audience: everyone') and vague data. The final score rewards the high real-world utility and verified market presence of the actual company, while applying heavy penalties to the Quality Factors for Traction and Response Quality due to the unreliable submission data.

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Score Breakdown

Real World Utility+212.5
Audience Reach Impact+65.0
Technical Innovation+105.0
Evidence Of Traction+93.75
Market Timing Relevance+75.0
Functional Completeness+2.5
Subtotal+553.75
Usefulness Multiplierx0.82
Final Score+454

Project Details

Project URL
incuto.com
Description
Incuto is a financial technology company that specializes in providing digital solutions for credit unions and community banks. Through its platform, Incuto aims to enhance the financial services offered by these institutions by enabling them to deliver more efficient, accessible, and user-friendly banking experiences to their members. The company offers a range of services including online banking, mobile banking, and loan management systems, all designed to help credit unions and community banks compete in the digital age. By leveraging technology, Incuto supports these institutions in expanding their reach and improving their operational efficiency.

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