Blog — Ajad van Wyk

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FeaturedAIFinanceSouth AfricaCreditBiasFintech

Does financial AI developed primarily on US/EU data systematically misprice African credit risk? Evidence from SA lending markets

The deeper problem is that credit AI models were never really designed to price African credit risk at all. They were built on the assumption that creditworthiness leaves a formal paper trail. In South Africa, that assumption fails for a large majority of the adult population — and the consequences range from exclusion to predatory targeting.

Key theme: AI + Finance + South Africa + Credit + Bias + Fintech — where professional practice meets emerging capability.

07 Apr 202612 min read

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Featuredagentic-aisystems-engineeringsoftware-architecturemulti-agentsecurity

Systems Engineering: Building Agentic Software That Works

Most agentic apps fail not because of bad models, but bad system design. Here's the five-layer framework that actually works.

Key theme: agentic-ai + systems-engineering + software-architecture + multi-agent + security — where professional practice meets emerging capability.

07 Apr 20266 min read read

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FeaturedAILaw

South Africa's National AI Policy Framework: A Blueprint for Responsible Innovation

In October 2024, the Department of Communications and Digital Technologies published South Africa's first formal national AI policy. Not legislation, not a finished product — a strategic foundation and an opening position in a longer, more contested conversation about how this country governs one of the most consequential technologies of our time.

Key theme: AI + Law — where professional practice meets emerging capability.

01 Apr 20266 min read

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FeaturedHuman RightsLGBTQ+NamibiaLawAfrica

Green Light for Hate: Leadership Failure and Anti-LGBTQ Violence in Namibia

Namibia presents a constitutional contradiction that has become a crisis. Courts have progressively extended rights to LGBTQ persons, while the legislature has enacted laws criminalising queer visibility. In this space, six queer Namibians were killed in 2023–2024. Not one death could be prosecuted as a hate crime.

Key theme: Human Rights + LGBTQ+ + Namibia + Law + Africa — where professional practice meets emerging capability.

01 Apr 202618 min read

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AIagentsarchitectureopen-source

SOUL.md: the file that makes your AI agent actually yours

The NousResearch Hermes agent has a file called SOUL.md. It doesn't live in the repository — it lives in ~/.hermes/. It's a user file, not a developer file. And it's the most interesting thing about how the agent is designed.

14 Jun 20266 min read read

AImemorytoolslocal-firstMCP

96.6% recall with no API keys: MemPalace stores AI context locally

Every LLM session you've ever had is probably gone. MemPalace is a local-first AI memory system that stores content verbatim, indexes it in a structured hierarchy, and retrieves it with 96.6% recall at R@5 on LongMemEval — running entirely on your local machine with no API key required.

14 Jun 20267 min read read

AI AgentsMemorySkillsAgent Tooling

The self-healing skill: AI that learns between sessions

The self-healing skill treats AI as a metacognitive system: one that observes its own behavior, curates what it learns, and turns repeated workflows into reusable knowledge. Here is how the loop actually works.

14 Jun 20265 read

AIagentsskillsproductivity

Your AI agent is winging it. Skills are how you fix that.

AI models are good at improvising. That's both the feature and the problem. Agent skills are reusable definitions that teach an AI agent how to handle a specific kind of task, consistently, according to rules you set.

13 Jun 20265 min read read

Writing Philosophy

How I approach the page

These are the principles that guide what I write and how I write it. They reflect a belief that professional writing should be useful, not performative.

Clear writing is clear thinking made visible.

New pieces published regularly across finance, law, and AI. Each one tries to say something specific and useful.

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