Proof of Usefulness Report

Tappoyo Fintech

Analysis completed on 2/17/2026

+210
Proof of Usefulness Score
Gaining Momentum

Tappoyo is a verifiable, award-winning fintech based in Peru (Gran Desafรญo Kunan winner, Forbes Peru Top 100) focused on group loans for rural female entrepreneurs. While the submission itself was poor (claiming 'most people' have used it and 'everyone' is the audience), external validation confirms significant real-world utility. The project has operated since 2018, serving ~4,500 women with over $50K in verified funding/grants. The claimed '17000000' figure is likely cumulative disbursement in local currency (PEN) or valuation, rather than revenue. The team size (13 verified vs 125 claimed) shows discrepancy. The score reflects strong social utility and proven traction, heavily penalized for the low-quality, hyperbolic submission.

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Score Breakdown

Real World Utility+94.5
Audience Reach Impact+8.4
Technical Innovation+34.1
Evidence Of Traction+48.1
Market Timing Relevance+28.0
Functional Completeness+1.3
Subtotal+214.4
Usefulness Multiplierx0.98
Final Score+210

Project Details

Project URL
Description
๐‚๐จ๐ง๐ฏ๐ž๐ซ๐ญ๐ข๐ฆ๐จ๐ฌ ๐ฆ๐ฎ๐ฃ๐ž๐ซ๐ž๐ฌ ๐ข๐ง๐ฏ๐ข๐ฌ๐ข๐›๐ฅ๐ž๐ฌ ๐ž๐ง ๐ž๐ฆ๐ฉ๐ซ๐ž๐ง๐๐ž๐๐จ๐ซ๐š๐ฌ ๐ข๐ง๐ฏ๐ž๐ง๐œ๐ข๐›๐ฅ๐ž๐ฌ Somos la primera Fintech- Social de Latinoamรฉrica que facilita prรฉstamos grupales a emprendedoras excluidas del mundo financiero todo por WhatsApp. Con una red de โ€œmujeres que ayudan a mujeresโ€ logramos llegar a mรกs lugares que la banca tradicional, ofreciendo tasas 800% mรกs baratas que los prestamistas informales. En nuestro Mercado de Prรฉstamos P2P, conectamos a emprendedoras que necesitan un prรฉstamo rรกpido y de precio justo, con inversores de impacto (Prestamista) que quieren incrementar sus ganancias de forma segura.

Algorithm Insights

Market Position
Growing utility with room for optimization
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