Plenty of AI models like ChatGPT, deepseek, Meta’s Llama, and Google’s Gemini have come into the market, but loan officers may have noticed that none have managed to upend the mortgage industry – or any major industries, so far. But Sun West Mortgage Corporation’s founder and CEO, and the creator of Angel AI, Pavan Agarwal, is set to change that.
On March 14, at a nightclub at the Wynn Hotel and Casino in Las Vegas, Nevada, amid a packed crowd of millionaire and billionaire investors coming from various industries, Angel AI officially launched Angel Token: a secure crypto wallet for storing consumer data. It also launched Angel Twin, an AI virtual assistant to help originators and lenders amp up production.
“Big family offices and investors from all of the world are coming in to be a part [of the] celebration because simply because we have figured out, innovated, figured out how to deliver blockchain technology, [and] deliver wallets to everyone on the planet,” Agarwal said.
Q&A with Pavan Agarwal, Creator of Angel AI
Can you explain the concept of Angel Twin in simple terms?
Agarwal: "So let's say you work one job, right? And say you're making $20 an hour. Okay? So that's $40,000 of income a year. That's, that's your, your cap. You only have eight hours in a day. But your twin, however, is unlimited. You can have as many multiples of your twin."
"So what if you had a hundred twins? Now you're not making $20 an hour, you're making, uh, or $2,000 an hour, right? And that's really what a twin does. And the twin, which is powered, which is all powered on the blockchain, and it's paid for with, with angel points, and the, the twin takes your knowledge and your trade secrets and, and your special sauce. What makes you, what builds your business? What builds what, what creates your, your essence, right? That makes you special. That, that gets you where you are today, right? It saves that information into your wallet, okay? Into your vault. And the best and most secure vault known to mankind is the blockchain."
Why is blockchain the best way to store this information?
Agarwal: "It saves that information into your wallet, okay? Into your vault. And the best and most secure vault known to mankind is the blockchain. It's immutable. It's indestructible. No one can take it from you as long as you don't lose your keys or onto your keys, right? Don't lose your keys. And that vault is there forever. And if you lose your keys, you lose access to your data. But, no one else has it, at least. And you can, you'd be forced to rebuild it."
"The level of hacking power that's spent hack someone's wallet is so high, it's hugely done by state actors. So for everyday commerce, it's very secure, right? And usually when wallets are hacked it's usually not because there's something wrong with the wallet, but they hack it by tricking the user, the user of the wallet gets sloppy."
How does Angel Twin benefit loan officers and lenders?
Agarwal: "Data is the new gold. That is the gold rush. Every big tech company today is out scrambling to get your data somehow, because that's, they need your data so they can strip your knowledge... If you give your data to the big tech companies, they're taking over your job. That's what they want to do. But, with Angel Twin, we are delivering your data to your wallet, your vault. So you own it and nobody else."
Plus Agarwal says loan officers no longer have to clock in and out of work to continue doing business, because their Angel Twin has them covered 24/7.
"Nothing gets done with a voicemail. But if you have a twin, there's never, there's never a busy signal. There's never a voicemail because you as an loan officer trying to get in touch with the underwriter or the account executive you'll never get a busy signal. You never get a, I never get a voicemail because you'll get the answers on the spot. It'll be that knowledge, that person's personality, that person's essence, the spirit talking to you through the AI, and that's magical."
How does Angel Twin compare to other companies using big data?
Agarwal: "Traditional companies like Redfin, Google, and Zillow operate under Web2 principles, which means they collect and control your data in centralized databases. Every time a realtor inputs information into a listing platform, they’re unknowingly training AI that could replace them."
"Angel Twin operates in the Web3 world. Instead of logging into someone else's database, you log into your own vault. As you work, your AI learns and evolves, but the data stays with you. This approach disrupts the Web2 model by ensuring that professionals retain ownership of their expertise instead of giving it away to tech giants. Plus, your AI gets smarter and your AI gets more and more like you and is doing the work for you."
What is tokenization, and why is it important?
Agarwal: "Tokenization is the process of converting assets or data into blockchain-based tokens. I think everyone's heard about tokenization, that everyone's heard about Bitcoin and Ethereum, and we saw recently Bitcoin go from $20,000 of Bitcoin to $100,000 downloading to $80,000. And there's a lot of people out there, right? Again, I think less than 1% of Americans actually have a decentralized wallet. Everyone has heard about it, but no one knows what it means. You're sitting here and you're looking at things like Bitcoin and like, that went from being worth 0 cents to a $100,000. I missed the boat on this."
Angel Token makes blockchain technology accessible by integrating it into real-world applications, Agarwal continued. By using Angel Twin and Angel Token, people can participate in the blockchain economy without needing a technical background.
Who has already adopted Angel Twin?
Agarwal: "We’ve been working on Angel Twin for a while and have already launched twins for well-known personalities like Deepak Chopra and comedian Russell Peters. We’re rolling out more, including a twin for boxing legend Sugar Shane Mosley. The excitement around this technology is growing, and many more public figures and professionals are coming on board."
What’s happening at the Angel Twin launch event?
Agarwal: "We’re hosting a huge celebration with special guests, including Sugar Shane Mosley and UFC’s Bruce Buffer, who will officially announce the launch. Major investors and family offices from around the world are attending because they see the potential of this innovation."
"Our goal is to get all 300 million Americans on the blockchain with their own AI-powered twin. By 2030, if you don’t have a blockchain wallet or an AI twin, it’ll be like not having email today. This is the future, and we want everyone to be part of it."
Guests of the night included quite a few UFC champs, such as Ronald Johnson. Also, Ryron Gracie – whose family created the UFC before selling it to Dana White. All who attended the launch received $250 worth of Angel Points that can be converted to Angel Tokens or used to create their Angel AI Twin.
Agarwal reported the day after the launch that the top complaint of the night was the $1,000 limit to purchase Angel Points.
