Proof of Usefulness Report

OneFin

Analysis completed on 1/27/2026

+462
Proof of Usefulness Score
Industry Mainstay

Project verified as 'OneFin' (onefin.in), a legitimate Series A/Seed fintech backed by Y Combinator, Khosla Ventures, and Vy Capital. Search confirms ~₹11Cr ($1.3M) revenue, 42+ employees, and over 1.6 million loans disbursed. The submission contained significant errors (wrong project name 'FrostForge', false 'most people' traction claim), resulting in a minimal Response Quality score, but the project's actual real-world utility and verified traction are substantial.

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Score Breakdown

Real World Utility+15.00
Audience Reach Impact+10.00
Technical Innovation+7.50
Evidence Of Traction+12.50
Market Timing Relevance+5.00
Functional Completeness+0.25
Subtotal+502.5
Usefulness Multiplierx0.92
Final Score+462

Project Details

Project URL
onefin.in
Description
OneFin is a technology credit platform - we are building the operating system for financial services. We have built modular, plug-and-play APIs to help our partners underwrite and collect loans from end customers. In a highly credit underserved country with rapidly increasing smartphone adoption, we are enabling any company to become a fintech company through our suite of APIs and regulatory layer, and helping build customized financial products for Middle India and its 360 million customers - for consumption-based use cases, upskilling / education financing, medical financing, etc.\n\nHighlights:\n1. Founders from experienced backgrounds in investment banking and technology\n2. Funded by Y Combinator, Khosla Ventures, and Vy Capital.\n3. High-quality team. Emphasis on innovation and technical expertise.\n4. Health benefits, flexible working conditions, performance-linked growth\n\nCheck us out at https://www.onefin.in

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