pAIy App (Nalton pAIy / Gubbi)
pAIy App (later evolving into Gubbi) explores the intersection of artificial intelligence, multi-chain finance, and community empowerment.
The platform enables:
- Transfers, payments, and CBDC swaps across XRP Ledger, Solana, Ethereum (ETH-MX), and Base.
- AI-generated financial content: purchase descriptions, receipt images, and concise summaries.
- Microloans, tokenization for small businesses, messaging, transaction history, and asset price tracking.
Vision
Not just payments — Gubbi turns financial access into practical tools communities can actually use.
🔑 Key Technologies
- Blockchains: XRP Ledger, Solana, Ethereum (ETH-MX), Base LATAM
- AI / ML: LLM-based text generation; AI images for receipts/UX hints
- APIs & Cloud: Microsoft Azure Cognitive Services, OpenAI API
- Stack: React, Next.js, Node.js, MongoDB
📂 Project Timeline & Hackathons
2023 — Early Prototypes
Nalton pAIy (Azure Prototype)
PaiyApp Hackathon — Etherfuse (Solana Grizzlython)
Ripple CBDC Innovate (GitHub)
Ripple Innovate — Landing (lp-nalton)
2024 — Gubbi Evolution
🌍 Impact
Across multiple hackathons and chains, pAIy → Gubbi validated a flexible, AI-assisted fintech approach that blends on-chain operations with human-friendly UX.
It shows how applied AI can explain, summarize, and augment financial actions—lowering barriers to adoption while keeping technical rigor.
Notes & Learnings (click to expand)
- Chain-agnostic design helps move fast in hackathons while keeping a coherent UX.
- AI content (descriptions, images) makes raw transactions more understandable for non-experts.
- Careful key management and cost controls are essential when mixing LLMs and on-chain calls.