Proof of Usefulness Report

UCreditSkills

Analysis completed on 2/18/2026

+56
Proof of Usefulness Score
You're In Business

UCreditSkills is a verified early-stage fintech in Colombia (UCREDIT SKILLS S.A.S) providing microcredits and financial education. While the submission contained hyperbolic claims ('everyone has used it'), external verification confirms the project launched in Feb 2024 and had facilitated ~250 loans by April 2024. The project addresses a genuine need for financial inclusion but is currently in a 'minimal traction' phase compared to the calibration scale.

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Score Breakdown

Real World Utility+22.5
Audience Reach Impact+3.0
Technical Innovation+4.5
Evidence Of Traction+10.0
Market Timing Relevance+8.0
Functional Completeness+0.25
Subtotal+48.25
Usefulness Multiplierx1.16
Final Score+56

Project Details

Project URL
ucreditskills.com
Description
La actividad central de nuestra fintech en Colombia es proporcionar microcréditos digitales que oscilan entre $110.000 y $1.000.000 pesos colombianos. Además, promovemos la inclusión financiera a través de cursos educativos en línea sobre gestión financiera personal y ofrecemos un módulo de seguimiento de finanzas personales para ayudar a nuestros clientes a administrar sus recursos de manera efectiva.

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