Proof of Usefulness Report

MCAP

Analysis completed on 1/24/2026

+433
Proof of Usefulness Score
Certified Problem Solver

MCAP is a major Canadian mortgage finance company with verified assets under management (AUM) exceeding $150 billion, indicating massive real-world utility and traction. However, the project submission itself was low-quality, containing vague claims ('everyone', 'most people') and lacking technical detail. The score reflects the undeniable scale and stability of the business entity, heavily penalized by the lack of specific evidence and effort in the submission form. A score in the 400s places it above standard startups due to scale, but below elite scores due to poor presentation.

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Score Breakdown

Real World Utility+142.5
Audience Reach Impact+72.0
Technical Innovation+18.75
Evidence Of Traction+122.5
Market Timing Relevance+42.5
Functional Completeness+2.5
Subtotal+400.75
Usefulness Multiplierx1.08
Final Score+433

Project Details

Project URL
mcap.com
Description
MCAP is an independent Mortgage Finance Company with over $150 billion in assets under management providing mortgage solutions for residential and commercial properties. Founded in 1981, MCAP originates, trades, securitizes and services mortgages in offices across Canada. MCAP originates residential mortgages exclusively through the mortgage broker channel as we believe that a professional mortgage broker is a homeowner's best option and MCAP actively promotes the services of mortgage brokers across the country. MCAP is also a leader in the Canadian residential construction lending market with over 25 years in the business. Our teams of dedicated professionals serve a variety of developer, construction and lender clients across Canada. MCAP Service Corporation Ontario Mortgage Brokerage #10515 Ontario Mortgage Administrator #11692 MCAP Financial Corporation Ontario Mortgage Brokerage #10600 Ontario Mortgage Administrator #11790

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