Proof of Usefulness Report

TIAA

Analysis completed on 1/24/2026

+725
Proof of Usefulness Score
Category Standard

The project represents TIAA, a Fortune 100 financial services organization managing over $1.4 trillion in assets. While the submission itself was low-effort (using a pseudonym 'WhisperHeart' and vague descriptions like 'most people have used my product'), the underlying entity is verified as a massive, essential pillar of the US retirement sector. The score reflects the immense real-world utility, verified 100-year track record, and multi-trillion-dollar scale, penalized significantly in the 'Response Quality' and 'Innovation' categories due to the poor submission quality and legacy nature of the tech.

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Score Breakdown

Real World Utility+237.5
Audience Reach Impact+190.0
Technical Innovation+30.0
Evidence Of Traction+312.5
Market Timing Relevance+90.0
Functional Completeness+2.5
Subtotal+862.5
Usefulness Multiplierx0.84
Final Score+725

Project Details

Project URL
tiaa.org
Description
At TIAA, we believe everyone has the right to retire with dignity. For more than 100 years, we’ve provided pensions, insurance, and investment services, empowering millions of people— in education, healthcare, and nonprofit —with the knowledge, guidance, and lifetime income needed to plan their futures. We are fighting to ensure a more secure financial future for all and for generations to come. Visit tiaa.org to learn more about preparing for a more secure retirement. For our Terms of Use, please visit ter.li/termsofuse. 4127037

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