Nep

Inspiration

We started NEP to fix three big problems in banking today the first one being, current encryption won’t survive the age of quantum computers, millions in Latin America are unfairly denied credit, and opening a bank account still takes forever. We imagined a world where you could show your ID, talk with an AI for two minutes, and get fair, instant credit. That’s what inspired NEP a secure, inclusive, and effortless banking experience.

What it does

NEP is an iOS banking app that uses post-quantum cryptography, AI credit scoring, and voice-based onboarding. It creates secure transaction receipts, analyzes real banking behavior to give personalized credit offers, and guides users through signup using a natural speaking AI all in under three minutes.

How we built it

We built NEP with SwiftUI for iOS and FastAPI for the backend. It uses CryptoKit for signing, Supabase for data, and a LightGBM model that studies 28 user features to predict fair credit. Gemini AI checks documents, Tesseract reads IDs, and ElevenLabs powers the voice assistant. Security comes from Merkle trees and a web tool that verifies transactions.

Challenges

Post-quantum cryptography tools are new and tricky to integrate, so we built flexible protocols to adapt over time. Cleaning messy financial data and keeping APIs stable was another challenge, we added caching and fallback systems to keep things fast and reliable.

Accomplishments

We built a real, quantum-ready banking architecture, reached 78% accuracy in our credit model, and made onboarding so simple that users called it “warm” and “human.” Our modular, production-grade codebase proves inclusive finance and next-gen security can coexist.

What we learned

True innovation comes from flexibility, in code, in data, and in people. AI is powerful but needs structure and we learned that clean data beats fancy models; and user experience matters more than technical complexity.

What’s next

Next we’ll bring CRYSTALS-Dilithium into production for full post-quantum security, expand micro-loans, and connect major Mexican banks so users can manage everything in one app. We’re also building a voice banking assistant and exploring quantum-safe DeFi for the future of finance.

Built With

• crystals-dilithium
• elevenlabs
• gemini
• lightgbm
• merkletree
• nessie
• python
• scikit-learn
• sha-256
• sql
• supabase
• swiftui