Proof of Usefulness Report

Moneytor

Analysis completed on 1/26/2026

+75
Proof of Usefulness Score
You're In Business

Moneytor is a legitimate, verified fintech startup based in Mumbai (founded 2017) offering AI-driven debt recovery solutions for lenders. External data confirms ~35 employees, ~$1M in seed funding (500 Startups, ISME ACE), and annual revenue estimated around $270k-$300k. However, the submission quality is extremely low, containing false claims ('everyone' as audience, 'most people' as users) and inaccurate team/financial data (claiming 1-10 employees and a confusing 'marketcap' figure). While the project has high real-world utility and verifiable traction, the score is heavily penalized by the disconnect between the submission's exaggerated claims and the verifiable B2B reality.

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Score Breakdown

Real World Utility0.25) × 1.0
Audience Reach Impact0.20) × 0.5
Technical Innovation0.15) × 1.0
Evidence Of Traction0.25) × 0.5
Market Timing Relevance0.10) × 1.0
Functional Completeness0.05) × 0.5
Subtotal+68.5
Usefulness Multiplierx1.09
Final Score+75

Project Details

Project URL
Description
Moneytor is leveraging technology to make the currently fragmented stressed receivables market more efficient and improve default recovery rates utilizing machine learning and proprietary algorithms.

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