ag404 Consultancy

Fractional CTO &
payments architecture

Senior engineering leadership for regulated fintech, crypto banking, and payment platforms. Based in Málaga, working across Europe.


API Architecture

Payment flows, ledger systems, and integration design for high-risk and regulated environments.

Regulatory Engineering

DORA control implementation, MiCA compliance, and audit-ready technical documentation.

Infrastructure

Cloud architecture, security hardening, and operational resilience for financial platforms.

Technical Leadership

Team structure, code review culture, hiring, and delivery processes that actually work.


I work embedded in your engineering team as a fractional CTO or senior architect — not as an outside advisor producing slide decks. Typical engagements involve building and shipping alongside your developers, with a focus on getting regulated platforms through compliance gates without sacrificing engineering velocity.

Crypto Banking Payment Processing MiCA DORA PSD2 Fireblocks KYC / AML High-Risk Payments