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Fintech and payments platform CTO

Best for: fintech and marketplace startups · scale-ups re-planning their backend · corporate teams that need a system-design owner · founders inheriting a codebase from a departed team.

executive / CTO-level
fintech and banking, payments, telecom (OSS/BSS)
Java, Rust, Go, Python, C/C#, Flutter, Kafka/MQ, PostgreSQL
[ M · 01 ]
10
Track-record cases
[ M · 02 ]
3
Scoped reviews you can book with this expert
[ M · 03 ]
5/ 6
Review and architecture services offered
[ M · 04 ]
2
Buyer needs this expert is matched to

§ 01Snapshot

§ 02Services

—PR/MR code reviewNot offered by this expert
✓Architecture review
✓Architecture design
✓Audit / due diligence
✓Vibe-code rescueinherited or AI-generated codebases
✓Team mentoring

§ 03Track record

Payment system design at the technology arm of a major bank

The bank's fintech arm needed new payment capabilities and a more robust core banking architecture. One of our experts, as head of backend development, designed the payment system, drove improvements in the bank system's architecture, and restructured teams so they could deliver it.

fintech / banking · bank technology subsidiary, largeJava, Kafka/MQ, PostgreSQL, Kubernetes/OpenShift

Payment system redesign for startups

A startup's first payment flow didn't hold up as the product grew. One of our experts, acting as CIO/CTO, led the payment system redesign as part of their system-design work across several startups, all of whose products were delivered on schedule.

startups (e-commerce, dating, social) · early-stageJava, PostgreSQL, Redis (startup-specific)

Taking over a neobank and marketplace codebase from a previous team

Two startups (a neobank and a marketplace) were left with code written by an earlier team. One of our experts stepped in as CTO: worked through the inherited codebase, produced a system design from scratch for what came next, and hired the new team.

fintech (neobank) and marketplaces · early-stage startupsJava, Go, Rust, PostgreSQL, Kubernetes

Building a backend department for a large online retailer

A large online retailer needed in-house capacity on its enterprise commerce platform and a plan to move toward microservices. One of our experts, as head of backend development, built the commerce-platform department from zero to around fifteen engineers, owned system design and microservice planning, and raised the team's Java level so it could support business requests quickly.

e-commerce / retail · large companyJava, SAP Commerce (Hybris), microservices

Cutting team and infrastructure costs as a group CTO

A group's technology company needed a digital direction and lower running costs. One of our experts, as CTO, set the company's digital vision, chose the stack, created the system design, oversaw production with scrum practices, and saved costs by optimizing both teams and infrastructure.

group IT (e-commerce and startup portfolio) · group technology companystack chosen per project (Java, Go, PostgreSQL, Kubernetes)

Fractional CIO/CTO for several consumer startups

Founders had product ideas but no technical lead. One of our experts worked as a part-time CIO/CTO: discussed requirements with the founders, planned the workflow and system design, found the delivery teams, and kept high-level control of production. The products (dating apps, an e-commerce product and a niche social network) were ready on time.

dating apps · e-commerce · niche social network · early-stageper project

Running an outsourcing company to well over a hundred people

One of our experts ran an IT outsourcing company for well over a decade as CEO/CIO/CTO, growing it from a team of friends to well over a hundred people. They owned the full cycle, from finding clients to support, and built long-term relationships with most partners.

IT services (telecom, insurance, finance, e-commerce) · outsourcing firm of 100+ peopleJava, C/C#, PostgreSQL, Kafka/MQ

Telecom OSS/BSS and brokerage systems

Telecom operators and brokers needed back-office systems built and supported. Under one of our experts' leadership, their company delivered telecom OSS/BSS software and a broker support system; they also led work on a stock-exchange trading system and an SMS portal.

telecom · brokerage / trading · enterprise clients of an outsourcing firmJava, C/C#, messaging (MQ), relational databases

Production AI SaaS built with AI pair-coding and human-owned review

One of our experts built and runs an AI SaaS that generates and optimizes job-application documents. The stack is Next.js, a Rust REST API, PostgreSQL and a job queue on Kubernetes with LLM pipelines and prompt templates. They code with several AI assistants in tandem but keep code review and architecture themselves, with CI/CD, automated tests and zero-downtime releases. They report roughly half again the speed with consistent quality.

AI SaaS (career tools) · solo founderNext.js, Rust, PostgreSQL, Kubernetes, LLM APIs

Learning platform with advanced student testing

One of our experts most recently built a learning-management system with advanced student testing, alongside earlier insurance and banking platforms.

edtech · startupnot specified in sources

§ 04What you can book

Payment-architecture review for a fintech or marketplace startup

A startup is about to scale transaction volume and isn't sure its payment flows, ledger and reconciliation will hold.

Walk through money flows end to end, check how payment states are stored and audited, how retries and failures are handled, and where provider integrations are coupled to business logic.

You get

A written architecture review with risks ranked by money-at-risk and a redesign plan if needed.

Architecture review · AuditJava, Go or Rust services, PostgreSQL, Kafka/MQ

Rescue review of an inherited or AI-generated codebase

A founder has a product built by a previous team or mostly by AI tools and must decide whether to keep it.

Map what runs in production, assess the codebase and infrastructure, decide keep / refactor / redesign per component, and outline the team needed.

You get

A takeover report with a target system design and a hiring outline.

Vibe-code rescue · Architecture reviewper codebase (Java, Go, Rust, Next.js, PostgreSQL, Kubernetes)

Architecture review for an e-invoicing and tax-compliance SaaS

A SaaS for sole proprietors and small businesses has to issue electronic invoices, track tax deadlines and handle regime changes, and every rule change ripples through the code.

Review how tax rules and document formats are modelled, how integrations with tax authorities are isolated, and how deadlines and notifications are scheduled.

You get

An architecture review with a plan to keep regulatory logic configurable and testable.

Architecture review · Architecture designNext.js, Rust or Java backend, PostgreSQL, job queues

Questions buyers ask

What should a startup check before building its own payment system?+
Which flows it really needs to own (wallets, payouts, reconciliation) versus buy from a provider, how money states are modelled and audited, and how failures and retries are handled. An expert in the Invental network has designed payment systems at the technology arm of a major bank and redesigned them for several startups.
What happens in the first weeks when a new CTO takes over a codebase from a previous team?+
The usual order is: understand what runs in production, map the system and its weak spots, decide what to keep versus redesign, and only then hire. One of our experts has done this for neobank and marketplace startups, combining a codebase takeover with a fresh system design and team hiring.
Can a fractional CTO cut costs without slowing the product down?+
Often yes, by right-sizing teams to the actual roadmap and removing infrastructure nobody needs, rather than across-the-board cuts. An expert in our network did this as CTO of a group technology company, alongside choosing the stack and owning system design.
Is AI-assisted ("vibe") coding safe for a production SaaS?+
It can be, if a human owns the architecture and code review and the pipeline has CI/CD, automated tests and zero-downtime releases. One of our experts runs a production AI SaaS this way, using several AI assistants in tandem while keeping review and architecture decisions themselves.
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How it works

  1. Tell us what you need — the repo or system, the question, and the deadline.
  2. We match an expert from the network, with a second reviewer where it helps.
  3. Scoped work, contracted through Invental — review per pull request, a fixed-scope audit or architecture review, or ongoing capacity.

— Invental · software studio · Montevideo, UY

Want this expert on your code?

Tell us what you are building and what you want checked. We confirm the match and the scope before anything starts.

— Get in touch
hi@invental.co ↗
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— What to include

A link or short description of the code or system, what you want checked, your stack, and when you need the answer. No repository access is needed until scope is agreed.

— Or leave a note
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