FINALIST from Japan

Japan

MindPalace is a “Credit 2.0” platform that visualizes the creditworthiness of unscored users by integrating digital behavioral data from SNS activity, Web3 wallets, and on-chain history. Using a patented scoring model, it evaluates the trust level of individuals underserved by traditional systems—such as foreigners, freelancers, and young users. Financial institutions, real-estate companies, and Web3 businesses can reduce risk while accessing new customer segments, enhancing credit decisions, and expanding their addressable market.

Yusaku Numa is the founder of MindPalace, driven by the global issue that “those without credit can never reach the starting line.” While in university, he began researching how digital behavior—SNS activity, community contribution, Web3 transactions—can form a new basis of trust. His work evolved into an AI-driven credit visibility model combining social data, on-chain records, and DID. He has since patented an integrated SNS + Web3 behavioral credit score and is dedicated to building a new trust infrastructure for the world’s underserved, credit-invisible populations.