Proof of Usefulness Report

Muadee by HDBank

Analysis completed on 2/9/2026

+569
Proof of Usefulness Score
Industry Mainstay

Muadee by HDBank is a legitimate 'Buy Now, Pay Later' (BNPL) solution backed by HDBank, a major Vietnamese commercial bank. The project demonstrates high real-world utility and is supported by the bank's extensive ecosystem, evidenced by over 100k+ Android downloads and thousands of reviews. However, the submission quality is critically low: the user provided the incorrect name 'BlazeStone', claimed hyperbolic traction ('most people have used my product'), and listed confusing revenue figures. While the underlying product is strong (likely 1M+ potential users), the score is significantly penalized by the lack of professional evidence and the low quality of the submission data.

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Score Breakdown

Real World Utility+225.0
Audience Reach Impact+112.0
Technical Innovation+90.0
Evidence Of Traction+87.5
Market Timing Relevance+80.0
Functional Completeness+5.0
Subtotal+599.5
Usefulness Multiplierx0.95
Final Score+569

Project Details

Project URL
Description
Muadee by HDBank là thẻ trả góp phi vật lý trên ứng dụng điện thoại do Ngân hàng TMCP Phát triển TP. HCM (HDBank) cung cấp với cốt lõi là giải pháp thanh toán “Mua trước - Trả sau". Thừa hưởng nghiệp vụ tài chính chuyên nghiệp, tính an toàn bảo mật và hệ sinh thái đa dạng của một trong những ngân hàng thương mại lớn nhất Việt Nam từ HDBank, thẻ trả góp Muadee by HDBank sẽ mang đến cho bạn trải nghiệm mua sắm mượt mà với giải pháp thanh toán thông minh, an toàn, tiện lợi: -Trả góp nhanh gọn mọi lúc mọi nơi -Không lãi suất, không phí thường niên -Đăng ký online 5 phút, nhận hạn mức đến 15 triệu -An toàn bảo mật bởi HDBank 📲Tải ngay ứng dụng Muadee by HDBank và trải nghiệm xu hướng công nghệ tài chính hàng đầu này nhé: https://muadee.hdbank.com.vn/ 📍Liên hệ: Hotline: 1900 6060 Email: info@hdbank.com.vn Website: https://muadee.com.vn/ Fanpage: https://www.muadee.com.vn/fb

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