Proof of Usefulness Report

Shine

Analysis completed on 1/29/2026

+640
Proof of Usefulness Score
Category Standard

Shine is a highly established French neobank with significant real-world utility and verifiable traction (acquired by Société Générale). Despite the low-quality submission data (vague claims like 'everyone' and 'most people'), the underlying project demonstrates strong fundamentals, serving over 70,000 entrepreneurs with a robust feature set. The score reflects the project's high market value and proven success, penalized slightly for the lack of specific data in the form entry fields.

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Score Breakdown

Real World Utility+212.5
Audience Reach Impact+112.0
Technical Innovation+112.5
Evidence Of Traction+148.75
Market Timing Relevance+80.0
Functional Completeness+7.5
Subtotal+673.25
Usefulness Multiplierx0.95
Final Score+640

Project Details

Project URL
Description
Shine makes life easier for freelancers and small businesses so they can focus on what really matters: their success ✨\nIt is a responsible neobank, offering a 100% online pro account and a real administrative co-pilot. Pro account, invoices, accounting, insurance... Shine simplifies the banking and administrative experience, thanks to a balance between online service and human support.\n\nThe freelancers and entrepreneurs can rely on a team of experts available seven days a week to answer all their administrative questions, as well as on an innovative application and functionalities:\n\n* a 100% online pro account, with a simple and intuitive application, to manage their activity easily.\n* an administrative co-pilot, to accompany them from the creation of their company to the daily management of their business.\n* new insurance policies to protect the self-employed, their equipment and their activity\n\nBeyond this mission, Shine as a company wants to have a positive social and ecological impact. The startup is committed to fostering diversity and inclusion within its teams as well as within its community. It is also a B Corp company !\nThe values they share: \n\n✨Solidarity first\n✨Honesty is the best policy (B. Franklin)\n✨Be ambitious, be humble\n✨Build GEMs : Genuinely Enchanting Masterpieces\n\nLaunched in 2018, Shine has raised 10.8 million euros from Daphni, Kima Ventures, XAnge and several business angels. They joined Société Générale in 2020 to scale its development, while remaining an independent structure. Joining Shine today means being part of an international team of 70 passionate people who work remotely or in their office in Le Sentier. It also means helping 70,000 entrepreneurs and following them in their growth to impact millions of lives!\n

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