About Us

Who we are and our vision for the future of banking

The Gold Team

Brian Sewell

Brian Sewell is founder and CEO of several companies in the technology, energy and manufacturing industries, a former executive with a Fortune 500 company, and the host of the internationally acclaimed radio broadcast, “The Brian Sewell Show”. He has managed more than $1.1 billion in assets, is recognized for his fiscal, strategic, and operational vision and leadership. Educated at Dixie University, Johns Hopkins University and Stanford.

Arno Candel
Science Advisor

2014 Big Data All Star ~ Fortune Magazine. Arno is chief architect at H20 and a founding Senior MTS at Skytree where he designed and implemented high-performance machine learning algorithms. He has over a decade of experience in HPC with C++/MPI and had access to the world’s largest supercomputers as a Staff Scientist at SLAC National Accelerator Laboratory where he participated in US DOE scientific computing initiatives and collaborated with CERN on next-generation particle accelerators. Arno holds a PhD and Masters summa cum laude in Physics from ETH Zurich, Switzerland.

William Bown
Chief Architect

Wil is the Founder of the award winning Nuereal, the first decentralized open source protocol designed to produce a distributed artificial intelligence architecture incentivized, maintained and housed within a cryptocurrency. Wil is a blockchain core developer, pioneer and expert. Wil was previously the Director of Software Engineering for Mozaex and recently won a Texas blockchain based hack competition.

Our Vision

GOLD’s mission is to create a simple, elegant and powerful mobile application that completely disrupts traditional banking, empowers the unbanked to create solutions to their own challenges, and build a technology that will lead to other highly disruptive innovations.

The market for mobile banking is HUGE, yet we are focused first on providing a simple and elegant solution for the 2.5 billion adults around the globe who are unbanked.  We will then turn our focus on providing a faster, better and cheaper way of doing banking to the rest of the world.

Revenues are generated from fees for originating loans from borrowers.  Anyone with a mobile device may borrow or invest money in any currency.  Our super computer analyzes billions of data points to accurately predict the probability of borrower default.  These predictions are used to establish the cost of money for each individual borrower and optimize the return for investors

Fees will be based on market demand, however we plan to reduce fees as alternative means of generating revenues become viable as we grow.  The purpose for this is to create a truly disruptive alternative that traditional solutions will find difficult if not impossible to compete with.

Micro lending and Peer-to-peer lending companies such as,, Lending Club, etc. have demonstrated a tremendous demand.  We seek to provide a simple elegant solution that meets that demand head on.

Our strategy is to focus on the unbanked in one region of the world (not yet selected) and maximize resources to penetrate that market.  We intend to refine our strategy as we learn from real market feedback, recognizing that all global markets will not be the same, and word of mouth is key to viral propagation of our brand.