Proof of Usefulness Report

Zilch

Analysis completed on 2/2/2026

+659
Proof of Usefulness Score
Category Standard

Zilch is a verified 'Double Unicorn' fintech company with significant real-world traction (5M+ users, ~$2B valuation, ~$140M revenue), placing it in the highest tier of evaluation for utility and reach. However, the submission itself was of extremely low quality (lazy descriptions, hyperbole like 'most people', and lack of supporting data), which heavily penalized the Quality Factors and Response Quality score. The final score reflects the massive verifiable reality of the project, adjusted downward for the poor submission effort.

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Score Breakdown

Real World Utility+184
Audience Reach Impact+154
Technical Innovation+90
Evidence Of Traction+196
Market Timing Relevance+68
Functional Completeness+2
Subtotal+694
Usefulness Multiplierx0.95
Final Score+659

Project Details

Project URL
zilch.com
Description
Zilch is a financial technology company that operates in the buy now, pay later (BNPL) sector. Through its platform, accessible via zilch.com, Zilch offers consumers a flexible payment solution that allows them to make purchases and pay for them over time without incurring interest. The company aims to provide a seamless and transparent shopping experience by integrating directly with retailers and offering users the ability to manage their spending through a user-friendly app. Zilch is committed to responsible lending practices and provides tools to help users make informed financial decisions.

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