Proof of Usefulness Report

Moneybox

Analysis completed on 1/26/2026

+684
Proof of Usefulness Score
Category Standard

Moneybox is a highly successful, regulated UK fintech with verified traction significantly exceeding the submission's claims. While the submission text was low-effort ('most people have used my product'), independent verification confirms over 1.3 million users, £11.7bn in Assets Under Administration (AUA), and £93.8m in annual revenue (profitably). The company holds a valuation of ~£550m. The project demonstrates exceptional Real-World Utility and Traction, placing it in the upper tier of established digital products, though the score is moderated by the poor quality of the submission entry itself.

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Score Breakdown

Real World Utility2.5)
Audience Reach Impact2.0)
Technical Innovation1.5)
Evidence Of Traction2.5)
Market Timing Relevance1.0)
Functional Completeness0.5)
Subtotal+855
Usefulness Multiplierx0.8
Final Score+684

Project Details

Project URL
Description
We are on a mission to help everyone save and invest for their future.\n\nMillions of us go through life knowing that we should be doing more to save and invest for the future. We leave it at the bottom of our to-do-list because we don’t know where to start.\n\n\nWe are not taught how to save \u0026 invest at school, the investment industry is built to serve a wealthy minority and banks are only interested in selling products not helping us achieve outcomes.\n\nWe are determined to change this by:\n\n- making it easier for people to get started\n- offering products to suit every need\n- encouraging people to make the right decisions throughout their lives.\n- bringing everything together in a service which is simple and enjoyable to use\n\nWe are already helping over 300,000 people save and invest for their future. This is just the beginning. Join us and help us change saving investing for the better!

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