fake Credible channels

Amazing how easily the digital medium can be corrupted. Without central control or governing authority on Telegram, we see fake Credible campaign!

The fake channel garnered 18,000 followers and still growing. There is no authenticity to the channel, its admins, its recycled content but still individuals join, share their email addresses and exchange with imposters. Facinating.


signup Cosmos on gaia-7000

Part of our R&D is joining Cosmos Network, and both participate and learn from the evolving testnets.

Signup for gaia-7000 completed on 16/07 and SmartPesa submitted its node credentials to be part of the new (and hopefully) final testnet

A handful of nodes enrolled, as per the published genesis.json @ https://gist.githubusercontent.com/cwgoes/00dfd24c104fc3d704692f04adf4fd35/raw/1d5ee526d22e48ff6717b1b514dca02f8b14a932/gaia-7000-final.json

  "owner": "cosmosaccaddr14zfph0h8rexsca6gg6jkwqup3sgl6mwj6eu4e6",
  "pub_key": {
    "type": "tendermint/PubKeyEd25519",
    "value": "b9RSkt+WmMxVHQExQH0IMPpnR9zDAaJwz/mv1gtyRVY="
  "revoked": false,
  "status": 0,
  "tokens": "100",
  "delegator_shares": "100",
  "description": {
    "moniker": "smartpesa",
    "identity": "",
    "website": "",
    "details": ""
  "bond_height": "0",
  "bond_intra_tx_counter": 0,
  "proposer_reward_pool": [],
  "commission": "0",
  "commission_max": "0",
  "commission_change_rate": "0",
  "commission_change_today": "0",
  "prev_bonded_tokens": "0"

credible prototype explorer

The SmartPesa team has been making progress on our prototype Credible Explorer.

This UI is an interface on the viewing of the the blockchain, permissioned nodes, their public keys (to be used for the sharing data with TEAs), and seeing the transactions appear as they are contributed and broadcast across Tendermint.

The validators are currently set up with key type of Ed25519 signature keys, which can also be converted to Curve25519 for encryption/decryption. Hence, they are public but also more of that to come.

Purpose of this tool is to publically verify the blockchain participants and peer into the network performance. The transaction IDs link back to actual data blocks being moved around the Credible network

L2 kernel In mobile devices

I got the team working on a project recently resurface, but this time with endorsement from the VISA/MasterCard schemes.

In summary, my take is that alternate payment methods (including QR, close loop and crypto) are a challenge to the incumbents. This new channel of accepting contactless (payWave, payPass) by NFC enabled mobile device shortcuts the perceived cost of the terminals.

The new program codename TapToPhone follows the prerequisite standards for L1, L2 and CDET certification to comply with the exisiting scheme requirements. The modality is generally termed softPOS. We are pushing for SP to be the first in APAC to take this softPOS to market.

Below video captures our prototype of L2 Kernel operating behind NFC reader processing contactless payments. The modular design allows for L2 Kernel to be hosted either on a central server (cloud kernel) or local device (SDK instance). The original code stems from 2014 during our early certification with FIME in Taipei for EMV contact, and now extended into contactless. The beauty is the messaging layer, and the log shows the APDU command exchange with SmartPesa’s L2 Kernel from ATR, PPSE, App Select, etc. This allows for our embedding directly in the SmartPesa SDK with simple abstraction for developers to add to their apps.

There is huge potential for softPOS – F&B, ticketing, transport, parking, vending machines, general retail, queue busting, etc that have hardly been tapped to date. Excited about the prospects by our venturing down this part within the regulated shere of existing banking rules and regs.

tracking credible tokens

A first attempt at tracking tokens. The concept is pretty straight-forward on tracking units of accounts (# of tokens).

However, keeping a balance requires an summation on the input and unspent transaction output (as Bitcoin refers UTXO) with a mechanism to either (a) update the balance on the back of each transaction (in and out), or (b) sum across all unspent transactions sitting on the wallet address.

First attempt of a UI to sum tokens by running queries through the Credible prototype RPC API; albeit just put together really crudely:

hooking into Credible events

In the preliminary design of Credible, we will need an event listener to catch blockchain announcements of new blocks and new data addition.

A broadcast messaging is core to informing clients of events on transfers of data from an owner to a validator, or a requested to a trusted escrow agent (TEA) for request of data.

Useful will be an explorer to summarise all these events into a single clear dashboard. TBC