Arjun Kalsy was skeptical.
He’d just received a LinkedIn message from someone named “Gajesh Naik”—a crypto developer looking for guidance on a new project. This in itself wasn’t necessarily suspect. As vice president of growth for the fast-rising Indian crypto company Polygon, Kalsy is used to working with coders across the world.
Naik stood out, though, in part because he claimed to be 13 years old.
“I was 100% sure this guy was a scammer,” Kalsy told Decrypt, “Like, no way. Really? 13 years old? He’s probably some big hairy dude.”
This was about a month ago—and at first, Kalsy didn’t bother to reply. 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.
“Then, I saw,” he said. “Man, it’s actually a 13-year-old kid.”
Gajesh Naik is, in fact, 13 years old. But he’s also chief architect of PolyGaj, a DeFi protocol built on the Polygon blockchain. Today, PolyGaj manages around $1 million in cryptocurrency. Late last month, after the billionaire Mark Cuban made an investment in Polygon, that number was nearly $7 million.
Consider the fact that Naik even knows what a “DeFi protocol” is. 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. 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.
But code has to come from somewhere.
“I had the basic math skills, like addition, subtraction,” said Naik over the phone from his family’s home in Goa, India. “That’s all which was required. Then afterwards I started learning all the programming languages.”
When he started talking about the languages he’d learned (he knows C, C++, Java, JavaScript, and Solidity—the language that’s typically used to write Ethereum-based smart contracts), a picture began to form. Naik started learning to code five years ago at a dedicated boot camp, using a drag-and-drop tutorial program called Scratch. At the time, he was just eight years old.
Met @robogajesh , a multi-talented 10 year who is passionate about AI, Robotics and Programming. Smart youngsters like him are the strongholds of our emerging startup ecosystem in Goa. #GSID2018 pic.twitter.com/iu1SCyYNyb
— Rohan Khaunte (@RohanKhaunte) April 27, 2018
As Covid-19 has burned through southwestern India over the past two months, Naik has been at home with his parents and little brother. His father, Siddhivinayak, has a degree in computer science, but currently works as a civil service officer. It’s thanks to his encouragement, as well as a newfound passion for cryptocurrency, that Gajesh has been able to sink time into PolyGaj.
He has also recorded explanatory videos about crypto for his YouTube channel, and agreed to public interviews with Indian influencers. The prominent crypto investor Balaji Srinivasan gave him a shoutout on Twitter.
“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. “Pretty satisfied.”
Since that initial Linkedin message, Kalsy and Naik have stayed in touch. “Now a lot of investors have started reaching out,” said Kalsy. “So sometimes he asks me, ‘Hey man I have to talk to this guy, what do I say?’” His guidance has more to do with ethics and street smarts than with system architecture.
As for how exactly a 13-year-old kid was able to code a multi-million dollar ecosystem on his own, Kalsy explained that Gajesh is probably more of a shrewd creative than a coding genius, since PolyGaj is “essentially a clone of Goose Finance,” a DeFi project built on a different blockchain called the Binance Smart Chain. The two sites look almost identical, outside of a few minor tweaks. Kalsy added that the algorithms behind PolyGaj come from a contract called “MasterChef,” which underpins another popular DeFi protocol: SushiSwap.
“When you talk about coders,” Kalsy said, “there are two broad types. One is your mathematician coder, who’s into algorithms and data structures. And then the second is something like Gajesh, who’s more on the execution/business side. If he sees a good project, he can design something like that, but he probably won’t come up with an algorithm for the Traveling Salesman Problem or something like that.”
It’s a distinction that makes sense for someone operating without the benefit of a college education.
“I’ve seen many of these dapps,” said Naik, referencing the decentralized applications that offer access to the world of crypto investing. “They are awesome. And some have much more potential.”
