Proof of Usefulness Report

ZuPay

Analysis completed on 2/2/2026

+53
Proof of Usefulness Score
You're In Business

ZuPay is a legitimate early-stage fintech startup in India focusing on financial literacy for teenagers, backed by investors like 100X.VC and Prime Venture Partners (~$600k funding). However, the submission itself is of extremely low quality, containing demonstrably false claims ('most people have used my product', 'audience reach: everyone') and missing data. While the project has real-world utility and verified seed-stage traction (approx. 10k+ downloads, beta status), the score is heavily penalized by the lack of credible evidence in the submission and the false user acquisition claims.

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Score Breakdown

Real World Utility+20.0
Audience Reach Impact+2.0
Technical Innovation+8.25
Evidence Of Traction+6.25
Market Timing Relevance+9.0
Functional Completeness+0.25
Subtotal+45.75
Usefulness Multiplierx1.15
Final Score+53

Project Details

Project URL
zupay.in
Description
ZuPay is India’s premier investing and banking platform for teenagers, helping them to understand personal finance at an early age. We achieve this by allowing them to learn, invest, save, and spend, all under parental oversight when in their adolescence. Then provides a complete personalised banking and investing experience once their customers turn 18 years of age.\n\nZupay believes that teaching teenagers at an early stage can change the nature of investing forever. Their vision is to establish a community of educated retail investors within the next-gen India.

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