“Now a lot of investors have started reaching out,” said Kalsy. Since that initial Linkedin message, Kalsy and Naik have stayed in touch. “I think the investment in the form of resources that we put in-especially time-is paying off now in the attention that he gets,” Siddhivinayak told Decrypt.

The only connection you need is an internet connection. Then afterwards I started learning all the programming languages.”Ĭrypto is leveling the global playing field. “I had the basic math skills, like addition, subtraction,” said Naik over the phone from his family’s home in Goa, India. When you entrust your money to a DeFi protocol, you’re funneling it directly into a series of smart contracts-essentially just code that dictates how your funds are invested PolyGaj is a hub for these sorts of investment mechanisms, asking users to pony up crypto for a risky shot at appealing returns. DeFi is an umbrella term for non-custodial software programs that handle your cryptocurrency for you, without the need for mediators like banks or investment managers. Late last month, after the billionaire Mark Cuban made an investment in Polygon, that number was nearly $7 million.Ĭonsider the fact that Naik even knows what a “DeFi protocol” is. Today, PolyGaj manages around $1 million in cryptocurrency. But he’s also chief architect of PolyGaj, a DeFi protocol built on the Polygon blockchain. It was only after a few more unanswered messages that he conceded to a Telegram chat, which evolved into a face-to-face video call on Zoom. This was about a month ago-and at first, Kalsy didn’t bother to reply. Really? 13 years old? He’s probably some big hairy dude.” “I was 100% sure this guy was a scammer,” Kalsy told Decrypt, “Like, no way. Naik stood out, though, in part because he claimed to be 13 years old.

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