You're making big AI decisions — with no one senior in your corner.
A Fractional AI CTO from Digital Monestary is senior AI leadership on your team — part-time, fully remote. We set the strategy, build the systems, get your people actually using AI, and keep your data safe — for about a third of a full-time hire. From $7,500/mo.
Digital Monestary is an engineer-led agency — and the Fractional AI CTO seat is led by our founder, Josh Cruz, with a team that grows alongside the work. Josh has built and led engineering teams of 25+, architected fintech platforms from the ground up, and put AI into production under real governance: agentic workflows, SOC 2 sign-off, human-in-the-loop. Not hype — shipped systems.
You're growing fast — and AI keeps raising the stakes.
You see what AI could do for your business, but every call feels like a gamble: what to build, what to skip, how to keep data safe, how to get your team to actually use it. A full-time CTO costs $250K–$450K. You need that judgment — not that bill.
- ◆You get a senior partner, not a vendor dropping off tools and disappearing.
- ◆You stop guessing on the big AI bets — someone who's shipped this owns the call.
- ◆Your team actually adopts AI, instead of buying software that sits unused.
- ◆Your data stays safe — security and PII handled the way few agencies bother to.
- ◆You can stop any month. Part-time, fully remote, never locked in.
We become part of your team.
The lower rungs install systems and keep them running. This is different: we help you decide where the whole business is going, then move it there with you.
Strategy
Where your business is heading, how AI changes the game, and how you stay ahead of — and beat — your competitors. A roadmap tied to revenue, not hype.
Adoption
AI only pays off when people use it. We train your team and build the habits so it gets used every day, not shelved after the demo.
Protection
Security, PII, and safe AI — the part few agencies talk about. SOC 2 governance and human-in-the-loop so you grow without exposing yourself.
Growth with what you have
Make more money with your current team, take on more customers, and save serious cash — without adding headcount to do it.
Automation work that paid for itself.
A decade of systems that gave people their time and revenue back — across fintech, insurance, finance and manufacturing.
Sales reps were drowning in a messy pipeline.
Tangled backend data, stale leads, no clear view of what to work next. Good opportunities were quietly dying.
Clean modular pipeline tools, automated lead enrichment, and a smart engine that retires stale leads on its own.
A whole department was losing thousands of hours to busywork.
Core processes run by hand — slow, error-prone, impossible to scale.
Custom dashboards and step-by-step automation that took over the manual work and doubled processing speed.
Complex partner payouts, all done by hand.
Multi-party revenue splits across white-label partners nobody wanted to calculate manually.
Architected the platform from scratch with an autonomous multi-tier billing engine on Stripe Connect.
Costly downtime and a platform at its limits.
Expensive equipment downtime while the system bumped against processing ceilings.
An AI-driven fix plus a re-architected data layer customers can extend without code.
Senior AI leadership at a third of the price.
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.
Scoped to the hours and scope you actually need.
- ◆~⅓ the cost of a full-time CTO
- ◆3–10× typical return on the engagement
- ◆Month-to-month — a 30-day exit, never locked in
- ◆Live in ~2 weeks, not a 4–6 month executive search
Questions, answered.
How is a Fractional AI CTO different from hiring a full-time CTO?
Is it just advice, or do you build too?
Do you work on-site?
What does it cost, and can we stop?
How fast can we start?
Where are you trying to go?
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.
See what AI leadership looks like for my business →