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Fractional CTO who ships with coding agents (fintech payments background)

Best for: solo and non-technical founders who need a technical counterpart · seed startups building on AI agents · fintech and B2B SaaS teams before they take real money · companies with a side project that won't fit their roadmap.

CTO and co-founder twice
fintech (payments, finance operations, lending), B2B field-operations software, e-commerce AI tools
Java, Kotlin, Spring, Python, Go, PostgreSQL, Kafka, React
[ M · 01 ]
12
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 ]
3
Buyer needs this expert is matched to

§ 01Snapshot

§ 02Services

✓PR/MR code reviewespecially agent-written code
✓Architecture review
✓Architecture design
—Audit / due diligenceNot offered by this expert
✓Vibe-code rescue
✓Team mentoring

§ 03Track record

A paid SaaS run by two founders and coding agents

The product started as manual workflows and scripts. One of our experts turned it into a self-service platform with paying subscribers, without hiring engineers. Coding agents write most of the code under their direction; they cut the work into agent-sized pieces, review every change and own the production result.

e-commerce AI tools · two-founder SaaSPython, Go, PostgreSQL, React, S3, Claude Code

Several AI model providers behind one product

The product's core output depends on image and text models from several AI providers. One of our experts built the workflow orchestration and integrations so the product chooses which provider does which job, and the founders aren't locked into one vendor's prices or outages.

e-commerce AI tools · two-founder SaaSPython, workflow orchestration, APIs of several model providers

A non-technical co-founder who ships changes safely

The co-founder kept needing the CTO to release every new content workflow. One of our experts built the platform so the co-founder can create, test and release workflows on their own, while the core system stays protected.

e-commerce AI tools · two-founder SaaSPython, PostgreSQL, internal workflow tooling

Seeing errors and business numbers in a two-person company

With no support or data team, problems had to surface on their own. One of our experts set up error tracking for incident investigation and a BI dashboard for business numbers, so the two founders see failures and revenue in the same place every day.

e-commerce AI tools · two-founder SaaSopen-source error tracking, open-source BI, PostgreSQL

A B2B platform from zero to six-figure revenue

Field-heavy businesses ran approvals and progress on paper, email and spreadsheets. One of our experts co-founded the company as CTO, worked with the customers' field teams to turn their problems into requirements, and chose a modular monolith over microservices. The platform reached paying enterprise customers and six-figure annual revenue.

B2B field-operations software · seed-stage startupKotlin, PostgreSQL, S3

A mobile app for places with no signal

Field teams worked where the connection drops for hours. One of our experts designed an offline-capable mobile product next to the office web app: crews record work offline, and it syncs when they're back online.

B2B field-operations software · seed-stage startupKotlin backend, offline-first mobile, PostgreSQL

Business payments with approvals and permissions

Business customers needed bulk, scheduled and recurring payments, with approval steps and per-person permissions. One of our experts designed and built these, plus the public API for them, from requirements through customer rollout, and handled production incidents as part of the on-call rotation.

fintech (business payments) · large fintechJava, PostgreSQL, event streams, public REST API

Finance numbers you can trace back to the money

Daily reporting on customer money relied on manual work where mistakes were hard to see. One of our experts rebuilt the workflows with daily reports and calculations you can trace step by step, so errors became visible and were caught earlier.

fintech (finance operations) · large fintechJava, PostgreSQL, event streams

Hours of manual money-movement work turned into reviewed transfers

Moving money between the company's own accounts took hours of manual work every day. One of our experts built tooling that prepares the transfers and has an operator review them before they go. This removed about four to six hours of manual work a day while a human still approves the money.

fintech (finance operations) · large fintechJava, PostgreSQL

One definition of "revenue" for every team

Different teams calculated the same financial figures their own way, so reports disagreed. One of our experts led a cross-team effort to agree on shared financial data definitions used for reporting and other calculations.

fintech · large fintechshared data definitions, Java services

Credit-bureau integrations for a lending product

A lending product needed customer credit profiles built from credit-bureau data. One of our experts developed the bureau integrations and the credit profiles and reviewed code as a senior individual contributor.

lending · large financial companyJava, Spring, Kafka

Building and running a first product team

The startup needed a team, a budget and a way of working. One of our experts hired and managed developers and a designer, owned performance reviews and dismissals, managed the engineering budget, set up delivery and stayed involved in onboarding and support.

B2B software · seed-stage startup—

§ 04What you can book

What to build, what to buy, and what it really costs

A founder has the idea and the money but no technical counterpart. The expert scopes the first version with them, marks what to buy off the shelf and what to build, picks a setup (a small team, coding agents, or both) and gives a realistic cost before they commit.

You get

A short scope, a build/buy list and a cost range.

Fractional CTO · Architecture designdepends on the product

Reviewing an agent-built SaaS before it takes subscription money

A founder built their product with coding agents and is about to switch on paid plans. The expert reviews the payment and subscription paths first: who can access what after a failed or cancelled payment, retries, and whether revenue numbers match the payment provider.

You get

A ranked list of fixes, money issues first.

Code review · Vibe-code rescuewhatever the founder used (often a JS framework with a hosted database and a payment provider)

An outside team for the project your roadmap can't fit

A company has a project that won't fit its engineering roadmap. The expert takes it from scope to production as an independent CTO, with a small team they assemble or with coding agents, and hands it over with documentation.

You get

Scope, architecture, delivery plan, then a running system.

Fractional CTO · Architecture designdepends on the company

Questions buyers ask

Can a startup run production software that is mostly written by AI coding agents?+
Yes, if one person owns the scope, splits the work into pieces an agent can finish, and reviews every change before it ships. One of Invental's experts runs a paid SaaS this way with two founders and no engineering team. Coding agents write most of the code; the CTO reviews it and stays responsible for what reaches customers.
I have an idea and a budget but no technical co-founder. Who tells me what to build and what it will cost?+
A fractional CTO can scope the first version, decide what to build versus buy, and give a realistic cost before you commit. One of Invental's experts has done this as a CTO and co-founder twice and does it for founders as an outside engagement.
What should be reviewed before an app starts moving customers' money?+
Approvals and permissions (who can send what), recurring and scheduled payments, what happens on a retry or a partial failure, and whether every balance can be traced back to its transactions. One of Invental's experts built business payments and money-movement tooling in fintech and reviews these points first.
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CTO-level

Continuous-delivery fractional CTO

Best for: solo founders with a vibe-coded MVP · seed startups without a CTO · scale-ups after a funding round · investors needing a quick technical audit · CTOs who want an outside second opinion.

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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 to your code or system, 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 ↗
— Or
— 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
We reply within one business day.