If you've got AI ambitions but no one to own them, we give you the strategy and the hands to ship — at a fraction of the cost of a full-time executive. From $7,500/mo.
▸Book a strategy callDigital Monestary is led by Josh Cruz — a product-minded CTO based in Redding, CA. Josh has built and led cross-functional engineering teams of 25+, architected fintech and alternative-investment platforms from the ground up, and pioneered production AI tooling — including moving entire teams onto agentic AI workflows and updating SOC 2 governance to put AI to work under human-in-the-loop oversight. He believes in good people and good systems aimed at doing right by the people he serves, and gives back through his tech YouTube channel and the local R.A.D.D. tech meetup.
Founders and operators of growing SMBs who want senior AI leadership — a roadmap, real builds, and someone to own the technical calls — without the cost, equity, and risk of a full-time CTO.
A decade of building systems that give people their time and revenue back — across fintech, insurance, finance and manufacturing.
A national insurance brokerage's sales team was buried in tangled backend data — stale leads, manual cleanup, no clear view of what to work next. Good opportunities were quietly dying.
Clean, modular pipeline tools — custom Kanban boards and pop-up workflows — plus automated lead enrichment and a smart engine that continuously re-routes or retires stale leads.
A national equipment-finance lender ran core processes by hand — slow, error-prone, impossible to scale. Applications crawled and staff time evaporated.
Custom dashboards and automated, step-by-step workflows that took over the busywork and doubled how fast applications moved.
A fintech platform needed to launch alternative-investment products across multiple white-label partners — with tangled, multi-party revenue splits nobody wanted to calculate by hand.
We architected the platform from the ground up and built an autonomous, multi-tier revenue-split and billing engine on Stripe Connect — plus self-serve analytics.
A manufacturing software company was fighting expensive equipment downtime while its own system kept bumping against processing ceilings.
An AI-driven solution to cut downtime, plus a re-architected data layer (Platform Events) broken into modular blocks customers can extend without code.
Results delivered by our founder across 12+ years of building and leading engineering teams.
A full-time CTO runs $250K–$450K a year once you add equity and benefits. A fractional engagement gives you most of the value, none of the overhead — and you can stop any month.
▸Book a strategy callScoped to the hours and scope you actually need.
Bring us your AI ambitions and your constraints. We'll tell you honestly what's worth building, in what order — and we can build it.
▸Book a strategy call