Read their whitepaper!
Yeah. That simple. You look at how unique their project is and how the community would benefit from it. Then next is the team behind it which is really important if they're legit or not. And you can add a little bit of extra research about it.
I totally agree with you. First, Modern Finance Chain is a project focused on merchant-consumer incentivized. This project is helping the world adopt crypto as the conventional means for payments of goods and services. It has experienced team, Craig Neil, Jayson Rellis, Navin Kapoor etc invest in Modern Finance chain