Novacrust - Stablecoin-powered financial rails with decentralized AI and ultra-fast data for Africa

Guild on 0G 2.0
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1. Project Overview + Objectives

Novacrust is a multi-rail financial infrastructure platform bringing real-world stablecoin utility to underserved African markets (currently in Nigeria, Ghana, Kenya, but looking into Zambia, Ethiopia, and other markets). We provide seamless stablecoin on/off-ramps, USD accounts, virtual cards, and a no-signup checkout widget that enables instant crypto to fiat conversions, crypto-fiat loans, and fiat to crypto conversions. Our goal is to power everyday financial activity - payments, savings, loans, and commerce through blockchain rails.

Our objective with 0G is to integrate decentralized, cost-efficient data and compute infrastructure into our platform so we can:

  • Process high-volume financial events cheaply

  • Store user transaction metadata securely

  • Enable AI-powered risk, fraud, and credit scoring models using 0G compute/storage

  • Support scalable financial tools for emerging markets

2. Technical Architecture + Implementation Plan

We plan to use 0G’s two core layers:

A. 0G DA (Data Availability Layer)

  • Store anonymized transaction metadata

  • Store risk signals, repayment history, and behavioral patterns

  • Power DeFi lending, credit scoring, and settlement logs

  • Offload expensive on-chain storage to 0G DA for scalability

  • Retain fast retrieval for financial APIs

B. 0G Compute Layer

Used for Novacrust’s AI-powered systems:

  • On-chain/off-chain fraud detection

  • AI credit scoring for crypto-to-fiat loans

  • User behavioral analysis (savings behavior, repayment cycles, spending patterns)

  • Dynamic risk pricing for merchant payouts

Implementation Plan

Month 1 - 2:

  • Map financial events to 0G DA format

  • Deploy data pipelines for anonymized storage

  • Begin migrating metadata storage to 0G DA

Month 3 - 6:

  • Train and deploy fraud + credit-scoring models on 0G Compute

  • Integrate scoring outputs into our loan flows

  • Build risk dashboards powered by 0G

Month 6 - 9:

  • Full integration: settlement metadata + AI scoring + financial history

  • Optimize scaling and cost efficiency

3. How We’ll Integrate With 0G Infrastructure

We will integrate 0G in three core layers:

1. Data Storage (0G DA)

  • Store user transaction logs

  • Event histories for loans, savings, and on/off-ramps

  • Settlement references

  • Merchant transaction metadata

All data will be stored anonymized to preserve user privacy.

2. Compute Layer

  • Fraud detection model inference

  • Real-time transaction scoring

  • Credit scoring for underbanked users

  • Behavioral modeling for loan issuance and limits

3. High-Throughput Financial Pipelines

We expect to process 100k+ financial events per day as we scale; 0G DA + 0G Compute allows cost-effective, scalable throughput.

4. Team Background + Experience

Goodness Kayode - Co-Founder

Tolu Adetuyi - Co-Founder

Together:

  • Raised $4M+ across past ventures

  • Multiple acquisition outcomes: Sendchamp, GO54 → HOSTAFRICA

  • Alumni of Y Combinator and OnDeck

  • Built infrastructure processing $50B+ historically

  • Currently 2,000+ users and $100k+ TPV in < 2 months for Novacrust

5. Funding Requirements + Milestones

Funding Goal: $50k worth of support

Used for:

  • 0G compute nodes + data storage

  • Engineering for indexing, pipelines, and contracts

  • Model training + fraud scoring infrastructure

  • Expanding our financial rails in Zambia, Uganda, Tanzania, and Ethiopia

Milestones

Milestone 1 (Month 1 - 2)

  • Data model + indexing architecture for 0G DA

  • Begin storing anonymized transaction logs on 0G

Milestone 2 (Month 3 - 6)

  • Deploy first AI fraud model on 0G Compute

  • Integrate real-time scoring into the payment flow

Milestone 3 (Month 6 - 9)

  • Deploy a credit-scoring system for crypto-to-fiat loans

  • Fully migrate metadata to 0G DA

  • Publish public documentation + integration guide

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Thank you for applying to Guild 2.0! We will be reviewing your application shortly and will be in touch soon. Appreciate you being an early applicant!