Proof of Usefulness Report

Lopay

Analysis completed on 1/24/2026

+307
Proof of Usefulness Score
Certified Problem Solver

Lopay is a verified, high-growth UK fintech offering low-fee payment solutions (0.79%) with significant traction (>20,000 merchants, £400M+ processed). However, the submission quality was poor, containing hyperbolic claims ('everyone', 'most people') and likely erroneous fields ('marketcap'). While the real-world utility and market timing are exceptional, the score is penalized by the low quality of the submission evidence and the vagueness of the claims provided.

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Score Breakdown

Real World Utility1.0)
Audience Reach Impact0.8)
Technical Innovation0.6)
Evidence Of Traction1.0)
Market Timing Relevance0.4)
Functional Completeness0.2)
Subtotal+313
Usefulness Multiplierx0.98
Final Score+307

Project Details

Project URL
lopay.com
Description
With Lopay you choose when you get paid, and keep more of the money you earn. More control: See everything you need in the Lopay app - manage team access, view reports, check stock levels, and much more. More flexibility: Choose how you get paid - via a free card reader, payment links, Tap on Phone, or subscriptions. Choose when you get paid - instantly, the next day, or weekly. More of your money: With rates from 0.79% - that's less than half the price of SumUp and Zettle - Lopay helps you keep more of the money you earn. Go on, reward yourself...

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