Proof of Usefulness Report

MoMo

Analysis completed on 1/24/2026

+464
Proof of Usefulness Score
Industry Mainstay

Project 'MoMo' is a verified fintech unicorn in Vietnam with massive scale (31M+ users). However, the submission itself is of low quality, featuring lazy data entry ('most people have used my product', 'marketcap: 1000000001') and discrepancies in team size. The score reflects the undeniable real-world impact and traction of the entity, significantly penalized by the poor quality of the submission evidence and detail. A proper submission from this entity would likely score 700+.

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Score Breakdown

Real World Utility+118.75
Audience Reach Impact+100.00
Technical Innovation+48.00
Evidence Of Traction+100.00
Market Timing Relevance+47.50
Functional Completeness+2.50
Subtotal+416.75
Usefulness Multiplierx1.11
Final Score+464

Project Details

Project URL
momo.careers
Description
MoMo is one of the fastest-growing fintech companies in Vietnam, with nearly 2,000 employees dedicated to advancing financial inclusion for the Vietnamese people. Founded in 2007, MoMo now has over 31 million users, 50,000 domestic partners, 140,000 payment acceptance points nationwide, and partnerships with 70 banks and international card organizations. With a diverse ecosystem and cutting-edge technology, MoMo enables users to spend, manage finances, invest, access credit, and run their businesses more easily and efficiently. Working at MoMo means joining a team that constantly innovates and pioneers the use of technology, especially AI, to bring millions of Vietnamese people a flexible and proactive financial life. We are proud to be among the Top 28 Best Workplaces in Vietnam (2023 survey).

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