Proof of Usefulness Report

Mintos

Analysis completed on 1/25/2026

+627
Proof of Usefulness Score
Category Standard

Mintos is a legitimate, established European fintech platform with significant real-world traction (over €600M portfolio, 500k+ investors), which warrants a high base score. However, the submission quality is exceptionally poor, containing hyperbolic claims ('most people have used my product') and missing data ('marketcap: null'). Consequently, while the project receives high scores for Utility and verified Traction, the Quality Factors (Qi) are heavily penalized to reflect the lack of effort and evidence provided in the specific submission.

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Score Breakdown

Real World Utility+225.0
Audience Reach Impact+150.0
Technical Innovation+105.0
Evidence Of Traction+118.75
Market Timing Relevance+80.0
Functional Completeness+2.5
Subtotal+681.25
Usefulness Multiplierx0.92
Final Score+627

Project Details

Project URL
mintos.com
Description
Mintos is a leading European marketplace for investing in loans, operating through its platform at mintos.com. Founded in 2015, Mintos connects individual investors with a wide range of loan opportunities from various lending companies around the world. The platform offers a diverse selection of loans, including personal, business, and real estate loans, allowing investors to build a diversified portfolio. Mintos is known for its user-friendly interface, transparency, and innovative features such as the Mintos Strategies and Auto Invest tools, which help investors manage their investments efficiently. The company is committed to providing a secure and accessible investment environment, making it a popular choice for both novice and experienced investors looking to diversify their investment portfolios with alternative assets.

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