Proof of Usefulness Report

OatFi

Analysis completed on 1/26/2026

+321
Proof of Usefulness Score
Certified Problem Solver

OatFi is a high-potential Series A fintech company providing embedded working capital infrastructure for B2B platforms. External verification confirms significant traction ($35M+ funding, $500M+ volume, partnerships with Galileo/Unit). However, the submission itself was of extremely low quality, containing false claims ('most people have used my product', 'space-technology') and lacking verifiable evidence. The score reflects the strong underlying business fundamentals heavily penalized by the poor submission quality.

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Score Breakdown

Real World Utility+22.5
Audience Reach Impact+10.4
Technical Innovation+9.6
Evidence Of Traction+10.63
Market Timing Relevance+9.0
Functional Completeness+0.25
Subtotal+62.38
Usefulness Multiplierx1.03
Final Score+321

Project Details

Project URL
oatfinancial.com
Description
Oatfi’s APIs allow B2B payment platforms to launch products such as ‘BNPL’, factoring, receivables financing, and other short term credit solutions where users have working capital needs. Our API-first approach allows platforms to configure their own UX/UI, ensuring a frictionless user experience\n\nThrough an Oatfi integration, partner platforms are enabled to provide working capital on both sides of every B2B payment - maximizing transactional revenues, and users are empowered to collapse their cashflow conversion cycle.

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