Proof of Usefulness Report

SoFi

Analysis completed on 2/15/2026

+618
Proof of Usefulness Score
Category Standard

The project is identified as SoFi (NASDAQ: SOFI), a major publicly traded fintech company with over 8 million members and significant revenue, placing it in the 'Much larger scale' tier. However, the specific submission provided is of extremely low quality, containing hyperbolic claims ('everyone', 'most people'), incorrect data field usage, and minimal supporting evidence. The score reflects the verifiable high utility and massive market presence of the entity, heavily penalized by the 'Quality Factor' due to the lack of substantiated proof in the application itself.

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Score Breakdown

Real World Utility2.5)
Audience Reach Impact2.0)
Technical Innovation1.5)
Evidence Of Traction2.5)
Market Timing Relevance1.0)
Functional Completeness0.5)
Subtotal+665.75
Usefulness Multiplierx0.93
Final Score+618

Project Details

Project URL
sofi.com
Description
SoFi is a values-driven company on a mission to help our members get their money right. We create modern financial products and services that help people borrow, save, spend, invest, and protect their money better, so that they can achieve financial independence and realize their ambitions—from owning a home to saving for retirement, paying off their student loans, and more. CFL #6054612; NMLS #1121636 (www.nmlsconsumeraccess.org) Advisory services through SoFi LLC, a registered investment advisor. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC. SoFi Money™ is offered through SoFi Securities LLC, member FINRA/SIPC.

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