Proof of Usefulness Report

KIWI

Analysis completed on 2/4/2026

+404
Proof of Usefulness Score
Certified Problem Solver

Kiwi (Kiwi Financial Inc.) is a legitimate Series A fintech providing credit solutions to underbanked Latinos in the US, with verified funding of ~$15M and over 100,000 users. However, the project submission was of extremely poor quality, containing exaggerated claims ('most people have used my product', 'everyone') and confusing metrics ('marketcap: 17000000' likely referring to total funding). While the underlying business has high real-world utility and verified traction, the score is heavily penalized by the lack of credible evidence provided in the input.

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Score Breakdown

Real World Utility+21.25
Audience Reach Impact+5.00
Technical Innovation+7.20
Evidence Of Traction+6.00
Market Timing Relevance+8.00
Functional Completeness+0.13
Subtotal+47.58
Usefulness Multiplierx0.85
Final Score+404

Project Details

Project URL
kiwicredito.com
Description
Kiwi is a leading platform that helps Latinos living in the US, who may have limited credit data and access to capital, build credit history through unsecured lines of credit and alternative credit builder programs. As the fastest-growing minority segment in the US, the Latino market is expected to reach over 100 million in the next few decades. Our mission is to empower Latinos by providing tools and resources to establish credit, access capital and save money.

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