Should I Build It Should I Build It
06 May 2025
Payments

Linktree for payments where user has links of his banks or e wallets

Confidence
Engagement
Net use signal
Net buy signal

Idea type: Run Away

Multiple attempts have failed with clear negative feedback. Continuing down this path would likely waste your time and resources when better opportunities exist elsewhere.

Should You Build It?

Don't build it.

Your are here

You're venturing into a space similar to "Linktree for payments," aiming to consolidate various payment links (banks, e-wallets) into one shareable link. Our analysis indicates that this idea falls into a category marked as 'Run Away' due to multiple unsuccessful attempts and negative user feedback in the past. We found 8 similar products, signaling high competition in this area, and overall medium engagement. Unfortunately, we don't have enough data for net use and net buy metrics, meaning we can't fully ascertain public perception. Given this context, it's crucial to tread carefully and consider the potential challenges ahead. Many users find that it's a solution in search of a problem.

Recommendations

  1. Carefully review the negative feedback from similar products. Focus on understanding the core reasons behind user rejection. For example, users of similar products express concerns about censorship, surveillance, and whether the product is a genuine solution or just a gimmick. The recurring theme is whether this solves a real problem or is just adding another layer of complexity.
  2. Explore related problems your skills could address. Rather than directly competing in a crowded space, can you identify a niche or adjacent area where your expertise provides a unique advantage? For example, can you focus on a specific vertical, like freelancers, as some products find success there? Or, can you explore cross-border payments or escrow options as some positive differentiators?
  3. If you've already built something, assess whether the underlying technology could be repurposed for a different application. Can you leverage components for a different kind of product in an e-commerce or fintech context? The core technology might be valuable, but the application might need a pivot.
  4. Conduct in-depth interviews with at least three individuals who have tried similar 'link-in-bio for payments' products. What were their pain points? What features were missing? What would make them switch from existing solutions? Focus on understanding their true needs, not just gathering superficial feedback.
  5. Consider alternative monetization strategies. Instead of directly charging users, explore partnerships with banks or e-wallet providers. Can you offer value-added services like analytics or reporting to justify a premium price? Or, perhaps a referral program with the integrated payment options.
  6. Instead of focusing on a broad market, can you narrow your focus to a specific niche where this kind of product provides additional value? For example, are there specific creator verticals that have this need?

Questions

  1. Given the existing solutions and user skepticism, what specific, tangible problem does your "Linktree for payments" solve that isn't already adequately addressed? Is it simpler? Faster? More secure?
  2. Considering the criticism around potential censorship and surveillance, how will you ensure user privacy and data security, and how will you transparently communicate these measures to build trust?
  3. Assuming you gain traction, how will you differentiate your product from competitors in the long term, especially as larger players inevitably enter the space? What's your defensible moat?

Your are here

You're venturing into a space similar to "Linktree for payments," aiming to consolidate various payment links (banks, e-wallets) into one shareable link. Our analysis indicates that this idea falls into a category marked as 'Run Away' due to multiple unsuccessful attempts and negative user feedback in the past. We found 8 similar products, signaling high competition in this area, and overall medium engagement. Unfortunately, we don't have enough data for net use and net buy metrics, meaning we can't fully ascertain public perception. Given this context, it's crucial to tread carefully and consider the potential challenges ahead. Many users find that it's a solution in search of a problem.

Recommendations

  1. Carefully review the negative feedback from similar products. Focus on understanding the core reasons behind user rejection. For example, users of similar products express concerns about censorship, surveillance, and whether the product is a genuine solution or just a gimmick. The recurring theme is whether this solves a real problem or is just adding another layer of complexity.
  2. Explore related problems your skills could address. Rather than directly competing in a crowded space, can you identify a niche or adjacent area where your expertise provides a unique advantage? For example, can you focus on a specific vertical, like freelancers, as some products find success there? Or, can you explore cross-border payments or escrow options as some positive differentiators?
  3. If you've already built something, assess whether the underlying technology could be repurposed for a different application. Can you leverage components for a different kind of product in an e-commerce or fintech context? The core technology might be valuable, but the application might need a pivot.
  4. Conduct in-depth interviews with at least three individuals who have tried similar 'link-in-bio for payments' products. What were their pain points? What features were missing? What would make them switch from existing solutions? Focus on understanding their true needs, not just gathering superficial feedback.
  5. Consider alternative monetization strategies. Instead of directly charging users, explore partnerships with banks or e-wallet providers. Can you offer value-added services like analytics or reporting to justify a premium price? Or, perhaps a referral program with the integrated payment options.
  6. Instead of focusing on a broad market, can you narrow your focus to a specific niche where this kind of product provides additional value? For example, are there specific creator verticals that have this need?

Questions

  1. Given the existing solutions and user skepticism, what specific, tangible problem does your "Linktree for payments" solve that isn't already adequately addressed? Is it simpler? Faster? More secure?
  2. Considering the criticism around potential censorship and surveillance, how will you ensure user privacy and data security, and how will you transparently communicate these measures to build trust?
  3. Assuming you gain traction, how will you differentiate your product from competitors in the long term, especially as larger players inevitably enter the space? What's your defensible moat?

  • Confidence: High
    • Number of similar products: 8
  • Engagement: Medium
    • Average number of comments: 5
  • Net use signal: -11.2%
    • Positive use signal: 3.5%
    • Negative use signal: 14.7%
  • Net buy signal: -12.9%
    • Positive buy signal: 1.8%
    • Negative buy signal: 14.7%

This chart summarizes all the similar products we found for your idea in a single plot.

The x-axis represents the overall feedback each product received. This is calculated from the net use and buy signals that were expressed in the comments. The maximum is +1, which means all comments (across all similar products) were positive, expressed a willingness to use & buy said product. The minimum is -1 and it means the exact opposite.

The y-axis captures the strength of the signal, i.e. how many people commented and how does this rank against other products in this category. The maximum is +1, which means these products were the most liked, upvoted and talked about launches recently. The minimum is 0, meaning zero engagement or feedback was received.

The sizes of the product dots are determined by the relevance to your idea, where 10 is the maximum.

Your idea is the big blueish dot, which should lie somewhere in the polygon defined by these products. It can be off-center because we use custom weighting to summarize these metrics.

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