Muhammad Usman Shamas

Muhammad Usman Shamas

AI & Blockchain Tokenization Developer

Full stack web and mobile with blockchain and AI

Building tokenized systems and DeFi solutions with AI-powered tools. Expert in smart contracts, blockchain analytics, and machine learning for financial applications. Belfast, UK.

About Me

AI & Blockchain Tokenization Developer — Full stack web and mobile with blockchain and AI

I am an AI and blockchain tokenization developer with expertise in building tokenized systems, DeFi protocols, and AI-augmented development workflows. I hold an MSc in Computer Science from Ulster University (Belfast, UK) and a BS in Computer Science from Government College University Faisalabad, Pakistan (CGPA 3.4/4.0).

I use AI tools extensively in my workflow—from code generation and refactoring to architecture design and debugging. My professional experience spans blockchain-integrated financial applications, smart contracts, tokenization systems, and real-time data pipelines at Hutfin and KASB.

Research Interests

I conduct independent research on compliance-oriented blockchain architectures for regulated financial systems. My work focuses on public audit ledger design without speculative token incentives, institutional constraints in financial regulation, and the intersection of RegTech with distributed ledger technology.

Career Goals

I seek opportunities to build tokenized systems, DeFi protocols, and AI-powered financial applications. I am particularly interested in roles combining blockchain tokenization, AI/ML tooling, and regulated finance—where I can leverage both technical depth and AI-augmented development.

Achievements & Certifications

Winner — TRON Hackathon 2023 | Winner — Polkadot Hackathon 2023 | Published Research Paper (SSRN). Certifications: Blockchain Development (IBM), AI from the Data Centre to the Edge (Intel), Computer Vision (Coursera), Python for Data Science and AI (Coursera), GenAI for Fraud Detection and Compliance (Coursera). Daily user of AI-assisted development tools (Cursor, GitHub Copilot, Claude, ChatGPT).

AI & Blockchain Tokenization Skills

Machine Learning & Data Science

PythonTensorFlowPyTorchScikit-learn

Blockchain & Tokenization

SolidityPublic BlockchainsPrivate Blockchains

Frontend Development

ReactReact NativeNext.jsJavaScript

Backend & Databases

Node.jsPythonPHPExpressMongoDB

Development Tools

GitVS Code

AI Tools & Workflow

n8nAI-Assisted CodingCursorChatGPTClaudeGitHub CopilotLLM ToolsCode Generation

Education

MSc Computer Science

2025 – 2026

Ulster University, Belfast, UK | Financial crime & AML analytics • Blockchain & RegTech • IoT & pervasive computing • Data science • Scalable & big data systems

BS Computer Science

2019 – 2023

Government College University, Faisalabad, Pakistan | CGPA 3.4/4.0 | Algorithms • Data structures • Databases • Distributed systems • Full-stack & blockchain projects

Experience

Hutfin

Senior Software Engineer

Hutfin

2023 - Present

Developed blockchain-integrated financial applications and tokenization systems. Integrated smart contracts and wallet systems. Designed scalable backend systems for financial transactions. Implemented real-time data pipelines. Leverages AI tools for accelerated development.

BlockchainSolidityNode.jsReact
KASB

Software Engineer

KASB

2021 - 2023

Worked on financial platforms including mobile trading applications. Contributed to secure system architecture for financial services. Participated in degree verification blockchain initiatives. Collaborated on backend and data-layer design for high-integrity transaction processing and regulatory compliance.

React NativeBlockchainNode.jsMongoDB

Achievements

TRON Hackathon 2023

TRON Hackathon 2023

2023

Winner at TRON Hackathon 2023. Developed innovative blockchain solutions recognized by the TRON ecosystem.

BlockchainSoliditySmart Contracts
Polkadot Hackathon 2023

Polkadot Hackathon 2023

2023

Winner at Polkadot Hackathon 2023. Built solutions leveraging Polkadot's interoperability and scalable blockchain infrastructure.

PolkadotSubstrateBlockchain

Services

Research

Publications

Reframing Blockchain for Regulated Finance Through a Public Audit Ledger Without Cryptocurrencies or Speculative Incentives(Muhammad Usman Shamas)2026.[SSRN]

SSRN

Independent research on compliance-oriented blockchain architectures for regulated financial systems.

  • Developed a conceptual public audit ledger model, removing speculative token incentives
  • Analyzed institutional constraints in financial regulation and blockchain adoption
  • Published findings on SSRN

Working Papers

Independent Researcher - Blockchain & Regulated Finance2025.
  • Conducted independent research on compliance-oriented blockchain architectures for regulated financial systems
  • Developed conceptual public audit ledger model without speculative token incentives
  • Analyzed institutional constraints in financial regulation and blockchain adoption

Projects