Proof of Usefulness Report

TPAGA

Analysis completed on 1/31/2026

+500
Proof of Usefulness Score
Industry Mainstay

Tpaga is a verifiable, high-utility fintech company in Colombia (Series A, ~$15M funding, YC Alum) addressing a critical need for the unbanked. While the project fundamentals are strong and the claimed technical stack (BaaS) is verified, the submission itself is of exceptionally poor quality, featuring hyperbolic and factually incorrect claims (e.g., 'everyone' as audience, 'most people' as traction). The score reflects the high real-world value of the verifiable entity, heavily penalized by low quality factors due to the lack of provided evidence.

Ready to Compete for $150k+ in Prizes?

Move this data into a HackerNoon blog draft to become eligible for your share of $150k+ in cash and software prizes

View All Reports

Score Breakdown

Real World Utility+225.0
Audience Reach Impact+60.0
Technical Innovation+127.5
Evidence Of Traction+93.75
Market Timing Relevance+80.0
Functional Completeness+2.5
Subtotal+588.75
Usefulness Multiplierx0.85
Final Score+500

Project Details

Project URL
Description
Tpaga is a mobile wallet, focused on the 20+ millions of unbanked/underserved of Colombia. We're the only wallet in Co. to have built 100% of our tech stack, which enables us to offer BAAS.

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