Proof of Usefulness Report

PayU

Analysis completed on 1/24/2026

+764
Proof of Usefulness Score
Unicorn Utility

PayU is a massive, established fintech player (owned by Prosus) with verified operations in 50+ markets and over $1B in investments, placing it in the highest tier of market utility and reach. However, the specific submission provided was low-effort ('most people have used my product', 'everyone'), with a suspicious email address, though the project entity itself is legitimate. The score reflects the immense scale and traction of the actual business, penalized significantly by the poor quality of the submission response and the randomization factor.

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Score Breakdown

Real World Utility+250.0
Audience Reach Impact+240.0
Technical Innovation+120.0
Evidence Of Traction+250.0
Market Timing Relevance+90.0
Functional Completeness+5.0
Subtotal+955
Usefulness Multiplierx0.8
Final Score+764

Project Details

Project URL
Description
Global reach, local expertise: we combine the best of both worlds to reshape the future of payments and fintech to build a world of unlimited possibilities. We successfully bridge the global and local gap by supplying ultimate global payment coverage with extensive local expertise and support. Our vision is to create a world without financial borders where everyone can prosper. Thus, we strive to shape the payment industry of tomorrow to support global financial inclusion. As the payments and fintech business of Prosus- a global consumer internet group and one of the largest technology investors in the world- we are a leading online payment service provider operating in 50+ high-growth markets, dedicated to creating cutting-edge financial services tailored to the needs of over 450,000 merchants and millions of consumers. Focused on empowering people through financial services and creating a world without financial borders, we have set out to be one of the most prominent investors in the Fintech space, with investments totaling over $1 billion to date. We deploy more than 400 payment methods and PCI-certified platforms to process approximately 10 million payments daily. As a Fintech innovator, we develop cutting-edge technologies to ensure that merchants benefit from the highest approval rates and can optimally expand their global reach.

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