Proof of Usefulness Report

Paytm

Analysis completed on 1/27/2026

+671
Proof of Usefulness Score
Category Standard

Paytm is a dominant, publicly traded fintech giant in India with verifiable market cap (~$2B+) and massive user base, guaranteeing high scores in utility and reach. However, the submission itself is low-quality (vague claims like 'everyone' and listing 'leadership' as a technology), which triggers quality penalties in the innovation and traction metrics. The high final score reflects the undeniable real-world status of the entity despite the poor effort in the project submission.

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Score Breakdown

Real World Utility+237.5
Audience Reach Impact+160
Technical Innovation+45
Evidence Of Traction+200
Market Timing Relevance+85
Functional Completeness+10
Subtotal+737.5
Usefulness Multiplierx0.91
Final Score+671

Project Details

Project URL
paytm.com
Description
Paytm, accessible via its domain paytm.com, is a leading digital payment and financial services company based in India. Founded in 2010 by Vijay Shekhar Sharma, Paytm started as a mobile recharge and utility bill payment platform and has since expanded its services to include a wide range of financial products. These include mobile wallets, online shopping, ticket booking, and financial services such as loans, insurance, and wealth management. Paytm is known for its user-friendly app that facilitates seamless transactions and has played a significant role in promoting digital payments in India. The company is part of One97 Communications and has been instrumental in driving the cashless economy movement in the country.

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