You're making big AI decisions — with no one senior in your corner.
Senior AI strategy, hands-on engineering, and real governance — part-time, fully remote. We set the roadmap, build the systems, get your team actually using AI, and keep your data safe. All of it for about a third of a full-time hire. From $10,000/mo.
Related reading: What is a fractional AI CTO? · AI for insurance · AI for RIAs · How we build
Digital Monestary is an engineer-led agency. The Fractional AI CTO seat is led by our founder, Josh Cruz — 12+ years building and shipping production systems, teams of 25+ engineers led, fintech platforms architected from scratch, and AI put into production under real governance: agentic workflows, SOC 2 sign-off, human-in-the-loop. Not slide decks — shipped systems with real results.
You see the AI opportunity. Every call still feels like a gamble.
What to build, what to skip, how to keep data safe, how to get your team to actually use it — and how to pay for the judgment to make those calls. A full-time CTO runs $250K–$450K. You need the clarity, not the overhead.
- ◆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.
Strategy, builds, adoption, and safety — all of it.
The lower rungs install systems and keep them running. The Fractional AI CTO is different: we help you decide where the business is going, build the systems to get there, and make sure your team actually uses them.
AI Roadmap
A revenue-tied strategy: what to build, in what order, and why. We anchor every decision to what pays — not what's trending.
Team Adoption
AI only pays off when people use it. We train your team and build the daily habits so it stays off the shelf and earns its keep.
Data Safety & Governance
Security, PII handling, and SOC 2 AI governance with human-in-the-loop — the part most agencies skip. You scale without exposing yourself.
Hands-On Builds
We don't just advise — we build. Real code, real systems, shipped. More output from your current team, without adding headcount.
What senior AI leadership actually delivers.
Real results our founder has delivered — across insurance, equipment finance, fintech, and manufacturing. Described by industry, not by client name.
A tangled pipeline was quietly killing good deals.
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.
Manual processes were costing thousands of hours a year.
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 fraction of the hire.
A full-time CTO runs $250K–$450K a year — before equity or benefits. A fractional engagement puts that same level of judgment on your team, scoped to what you actually need, with a 30-day exit whenever you want it.
Scoped to the hours and work you actually need.
- ◆~⅓ the cost of a full-time CTO
- ◆No equity, no benefits, no long-term commitment
- ◆Month-to-month — 30-day exit, never locked in
- ◆Live in ~2 weeks, not a 4–6 month executive search
What you're probably wondering.
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?
What results have you delivered?
Can you work with my existing team and tools?
Stop making big AI calls alone.
Tell us where you want to take the business. We'll tell you honestly what's worth building, in what order — then build it with you.
Book a strategy call →