Proof of Usefulness Report

Luminary

Analysis completed on 1/23/2026

+4
Proof of Usefulness Score
You're In Business

The project 'Luminary' (luminarybank.com) presents multiple critical red flags indicating a lack of credibility or existence. The domain is not indexed or active as a functional banking service. The claim that 'most people have used my product' is demonstrably false for a 2023 launch with no visible market presence. The 'market cap' revenue figure is misused and unsubstantiated. With a claimed team of 125 but no digital footprint, this submission appears to be a fabrication or placeholder with no verifiable utility or traction.

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Score Breakdown

Real World Utility+2.5
Audience Reach Impact+0.0
Technical Innovation+0.75
Evidence Of Traction+0.0
Market Timing Relevance+1.0
Functional Completeness+0.25
Subtotal+4.5
Usefulness Multiplierx0.90
Final Score+4

Project Details

Project URL
luminarybank.com
Description
At Luminary, we're thrilled to announce our mission to redefine the banking experience for complex clients who demand seamless, high-value payments. In a world where financial transactions are increasingly complex, we understand the importance of frictionless, efficient payment solutions. Our team is dedicated to providing cutting-edge services tailored to your unique business needs. Here's what sets us apart: Advanced Security: Your trust is our priority. We employ state-of-the-art security measures to safeguard your transactions and sensitive data. Personalised Support: We're not just a bank; we're your financial partner. Expect personalised support to help you navigate the digital landscape. High-Value Payments: Whether you're making international transfers or managing high-value payments, we've got you covered with a seamless, hassle-free process.

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