Proof of Usefulness Report

Vaya

Analysis completed on 2/1/2026

+315
Proof of Usefulness Score
Certified Problem Solver

The project appears to be 'Vaya Finserv', a legitimate financial inclusion initiative in India (launched 2014) serving ~450k users with a loan portfolio of ~$110M, matching the 'Alternative Lending' and 'Banking' descriptions. However, the submission quality is extremely poor, containing hyperbolic claims ('everyone', 'most people') and a non-resolving URL (vaya.finance). While the underlying entity has significant real-world utility and verified traction (1720 team size is plausible for field operations), the score is constrained by the lack of direct evidence provided and the laziness of the submission.

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Score Breakdown

Real World Utility+25.5
Audience Reach Impact+13.0
Technical Innovation+8.25
Evidence Of Traction+16.0
Market Timing Relevance+7.0
Functional Completeness+0.5
Subtotal+70.25
Usefulness Multiplierx0.90
Final Score+315

Project Details

Project URL
Description
Vayais in the Alternative Lending Industry

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