Proof of Usefulness Report

Kima Finance

Analysis completed on 1/24/2026

+286
Proof of Usefulness Score
Gaining Momentum

Kima Finance is a verifiable, venture-backed ($5M+ Seed) interoperability protocol addressing fragmented liquidity in DeFi and TradFi. While the project holds significant technical promise (patented 'no smart contract' settlement engine) and institutional backing (FinSec Innovation Lab, Blockchange), the submission itself was of extremely poor quality, containing false traction claims ('most people have used my product') and missing data. The score reflects the project's legitimate infrastructure potential, heavily penalized for the reliable data gaps in this specific application.

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Score Breakdown

Real World Utility+20.00
Audience Reach Impact+6.40
Technical Innovation+15.30
Evidence Of Traction+7.50
Market Timing Relevance+9.00
Functional Completeness+0.25
Subtotal+58.45
Usefulness Multiplierx0.98
Final Score+286

Project Details

Project URL
Description
Kima enables cross-ecosystem money transfers without intermediaries. With it blockchain and asset-agnostic protocol, developers can seamlessly execute crypto and fiat payments and transfers,

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