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CRO | CTO | STRIPE CONNECT | STRIPE BILLING | STRIPE RADAR | STRIPE API | STRIPE CHECKOUT | STRIPE TERMINAL | FINTECH | SAAS | AI | PAYMENTS | COMPLIANCE ( PCI DSS, GDPR) CRO | Meta Ads | Google Ads | ROAS | CAC XERO | QUICKBOOKS | ACCOUNTING SOFTWARE INTEGRATION FRACTIONAL CTO SERVICES | SCALABLE MVP DEVELOPMENT | REMOTE TEAM LEADERSHIP | TECHNICAL ROADMAPPING | STRIPE CONSULTING & DEVELOPMENT | AI | AUTOMATION Fractional CTO | 17+ Years IT Leadership | FinTech & Healthcare | Scalable MVPs | Stripe & Payments Expert I bring 17+ years of experience in technology, 10 years in FinTech and 2 years in AI—leading startups from concept to scale. As a Fractional CTO, I specialize in architecting investor-ready MVPs, building and managing remote engineering teams, and aligning technical roadmaps with business milestones. My approach balances speed-to-market with the long-term stability investors expect. As a Certified Stripe Expert, I’ve delivered 200+ projects across SaaS, eCommerce, and healthcare, helping founders design, integrate, and optimize payments that drive revenue and meet global compliance standards. Beyond Stripe, I manage full product lifecycles, ensuring delivery on time, within budget, and aligned with growth objectives. I’m also passionate about AI-driven automation, applying conversational AI, intelligent bots, and no/low-code workflows to simplify operations and create scalable, cost-efficient systems. What I Offer: Fractional CTO leadership & technical roadmapping Stripe consulting, integration, and optimization Scalable MVP development with investor alignment End-to-end project & product management (Agile/Scrum) AI-powered automation for payments, SaaS, and operations If you’re looking for a CTO who blends deep technical expertise with executive strategy, I’d be glad to help shape and scale your product. SKILLS: ✓✓✓ Payment Gateway Integrations ✓✓✓ Payment Gateway Migrations ✓✓✓ Technical Roadmapping ✓✓✓ Startup Fundraising Support ✓✓✓ Cloud Architecture (AWS, GCP, Azure) ✓✓✓ Remote Team Leadership ✓✓✓ SaaS Architecture ✓✓✓ Healthcare Technology (HIPAA, HL7, FHIR) ✓✓✓ FinTech Compliance (PCI DSS, PSD2) ✓✓✓ Scalable MVP Development ✓✓✓ Vendor Management ✓✓✓ AI Software Development ✓✓✓ AI Agent Development ✓✓✓ No/Low Code Development • STRIPE • PAYPAL • Authorize.net • 2 Checkout • Sage Pay • Square • WorldPay • RazorPay • WeChat Pay • iDeal • Klarna • QuickBook TaxJar • Xero • AI • ChatGPT • LangChain Tech Stack & Leadership Capabilities ✓ DevOps & Infrastructure: CI/CD pipelines, Docker, Kubernetes, infrastructure-as-code (Terraform, Ansible), monitoring & observability (Datadog, Prometheus, Grafana). ✓ Cybersecurity & Compliance: Identity and access management, encryption standards, SOC2 & GDPR compliance, penetration testing oversight. ✓ Data & Analytics: Data pipelines, ETL, real-time processing (Kafka, Spark), business intelligence dashboards. ✓ Mobile Oversight: iOS/Android (Swift, Kotlin, React Native, Flutter) – leadership & architectural guidance. ✓ Scalability & Reliability: Microservices architecture, high availability (HA), disaster recovery (DR), event-driven systems. ✓ Product Strategy: Product-market fit, UX/UI oversight, customer-driven roadmaps, investor milestone alignment. Core Development Expertise: ✓ Languages & Frameworks: Python, Java, Node.js, Next.js, PHP, Java EE (Servlet, JSP, EJB, Hibernate, Spring). ✓ Web & CMS: WordPress, WooCommerce. ✓ Databases: MySQL, Oracle. ✓ Cloud: AWS, GCP, Azure. ✓ OS: Linux, Windows. ✓ Front-End: JavaScript, jQuery, AJAX, Node.js. ✓ APIs & Integrations: REST APIs, ChartMogul, Twilio, Mailchimp, HubSpot, Facebook Graph, Google Maps, Twitter. ✓ Video Handling: Cloudflare Stream (direct upload, processing, secure playback). ✓ Tooling & Automation: Jenkins, MQ, Agile/Scrum workflows.

𝗜'𝗺 𝗮 𝘀𝗲𝗻𝗶𝗼𝗿 𝗳𝘂𝗹𝗹-𝘀𝘁𝗮𝗰𝗸 𝗮𝗻𝗱 𝗯𝗮𝗰𝗸𝗲𝗻𝗱 𝗱𝗲𝘃𝗲𝗹𝗼𝗽𝗲𝗿, 𝘁𝗵𝗶𝗻𝗸 𝗼𝗳 𝗺𝗲 𝗮𝘀 𝘆𝗼𝘂𝗿 𝗴𝗼-𝘁𝗼 𝗽𝗿𝗼𝗯𝗹𝗲𝗺 𝘀𝗼𝗹𝘃𝗲𝗿 𝗳𝗼𝗿 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘀𝗰𝗮𝗹𝗮𝗯𝗹𝗲, 𝗿𝗲𝗹𝗶𝗮𝗯𝗹𝗲, 𝗮𝗻𝗱 𝗺𝗮𝗶𝗻𝘁𝗮𝗶𝗻𝗮𝗯𝗹𝗲 𝘀𝗼𝗳𝘁𝘄𝗮𝗿𝗲 𝗳𝗿𝗼𝗺 𝗶𝗱𝗲𝗮 𝘁𝗼 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝗶𝗼𝗻. With 8+ years of experience, I help teams ship faster, avoid roadblocks, and turn complex SaaS platforms, API-first backends, enterprise dashboards, and cloud-native services into working realities. 𝗙𝗿𝗼𝗻𝘁𝗲𝗻𝗱: React.js, TypeScript, Next.js, Redux, TailwindCSS, Vue.js 𝗕𝗮𝗰𝗸𝗲𝗻𝗱: Node.js, Python, Django, Java, Microservices, Express.js, NestJS 𝐃𝐚𝐭𝐚𝐛𝐚𝐬𝐞𝐬: PostgreSQL, MongoDB, MySQL, Redis Firebase 𝐂𝐥𝐨𝐮𝐝 & 𝐃𝐞𝐯𝐎𝐩𝐬: AWS, EC2, Lambda, S3, RDS, GCP, Azure, Docker, Kubernetes, CI/CD, GitHub 𝐀𝐏𝐈𝐬 & 𝐈𝐧𝐭𝐞𝐠𝐫𝐚𝐭𝐢𝐨𝐧: REST, GraphQL, WebSockets, Third-Party APIs, gRPC 𝐖𝐡𝐲 𝐂𝐥𝐢𝐞𝐧𝐭𝐬 𝐖𝐨𝐫𝐤 𝐖𝐢𝐭𝐡 𝐌𝐞: - I solve real problems with scalable web apps, automation, and AI/ML integrations - I own delivery, from first commit to production deployment - I ship fast, maintain clean code, and design systems that scale - I integrate cloud, APIs, microservices, and serverless architectures - I improve performance, security, and maintainability in every project 𝐈 𝐂𝐚𝐧 𝐇𝐞𝐥𝐩 𝐖𝐢𝐭𝐡:: - Full-stack SaaS apps, dashboards, and MVPs - Backend systems: APIs, microservices, authentication, RBAC - Cloud & DevOps: AWS, serverless, Docker, Kubernetes, CI/CD - AI & ML features: Chatbots, LLMs, CV, Predictive Models - Automation & workflow orchestration: Scraping, bots, API integrations 𝐖𝐡𝐚𝐭 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐄𝐱𝐩𝐞𝐜𝐭: - Clear communication and structured delivery - Clean, maintainable architecture and codebase - Fast problem-solving with technical ownership - Scalable systems ready for enterprise or SaaS growth

Updated: June 30, 2026 $53M+ Raised by Clients | 84+ MVPs Launched | 14 Years Building SaaS Startups | 100% Job Success ✅ Co-Founder & CEO at Beyond the Wow — AI Developer & Startup MVP Studio ✅ CEO at Gearheart — Enterprise SaaS MVP Development Studio (14 Years) ✅ 2x Founder of B2B SaaS Products, 1 Exit ✅ 84+ MVP Launches for Startups & Growth-Stage Teams ✅ Built SmartSuite from Scratch — $38M Raised, 7M+ Users ✅ 2–4x Faster MVP Development Using Claude Code, Lovable, Cursor, and Replit ✅ Top-Rated on Clutch & GoodFirms I'm a 2x founder with one exit and 14 years of experience building B2B SaaS startups. I know firsthand what it means to bet on an idea, run out of runway, and figure out product-market fit the hard way. That's why I work with founders — not as a vendor, but as a partner who's been in the same position. I lead Gearheart and co-founded Beyond the Wow — an AI Developer and Startup MVP studio. Our full stack developer and AI Developer team specializes in SaaS MVP Development and AI Integration, helping founders go from idea to revenue-ready product in weeks. Behind me is a team of 23 senior engineers with 14 years in SaaS — together we've shipped 84+ products for 70+ clients across 7 countries. Whether you're looking for a SaaS Developer partner, need AI SaaS Development, or want a team that understands SaaS Business Development as much as the code — we've done it from both sides of the table. 🌟 OUR ENGINEERING STANDARD Our SaaS MVP Development standard — built by a full stack developer team with 14 years of enterprise product work at Gearheart: - SmartSuite — B2B SaaS platform built from scratch: $1.2M ARR in 4 weeks, $38M raised, trusted by Capital One. - Globalli — HR/payroll platform across 125+ countries, SOC2 Type II, $15M raised. 15+ modules, 21 engineers at peak. 🔧 WHAT WE CAN HELP YOU WITH - Founder Briefing: Before touching code, we help you define your ICP, challenge your value proposition, and confirm whether this MVP is worth building at all. After our session, you'll have clarity — and a solid pitch deck foundation for investors. - Discovery & Prototype: For founders with product clarity — a clickable startup mvp prototype in 5 days. Built with Lovable or Replit by our AI Developer team. - Rescue Diagnosis: Built something on Lovable or Base44 but it's breaking in production? Full code review by senior full stack developer engineers. QA, security audit, sprint plan. - MVP Development: SaaS MVP Development in 3–4 weeks — 2–4x faster than traditional agencies. AI Integration, auth, onboarding, deployment included. - Sprint Subscription: Ongoing support — ship new features at a regular sprint pace as your long-term full stack developer partner. ⚡ MVP SPEED Legal SaaS platform + AI chatbot → ~2 months AI Receptionist with CRM AI Integration → shipped in weeks B2B Dental Referral Startup MVP → 3 weeks Early-stage startup mvp prototype → 5 days Medical device SaaS MVP Development — ICP + PMF + build → 2 weeks 💡 WHY WORK WITH US - Been There as a Founder: I've built, launched, and exited SaaS products myself. Our startup mvp process — and our full stack developer team — is built on real founder experience. - Product Before Code: We ask "should you build this?" before "how do we build it?" Most AI Developer studios skip that question entirely. - AI Speed, No Shortcuts: Our full stack developer and AI Developer team uses Claude Code, Lovable, and Cursor as real engineers. AI Integration built in by default — 2–4x faster without cutting corners. - Offshore Pricing, Enterprise Standard: Ukraine-based SaaS MVP Development team. Competitive rates. The same quality we've held for 14 years. Our Our engineers work across the full spectrum: Python Developer backends, React Developer frontends, REST API and API Automation layers, Machine Learning pipelines, and Twilio integrations. Whether you need a Software Developer, Web Developer, or App Developer — one team covers it all. 🌟 WHAT CLIENTS SAY "They were my choice the moment I met them. Their commitment to solving customer problems and creating the best SaaS product is unmatched." — Jon Darbyshire, CEO at SmartSuite "Not only their great skills, but their accountability and sense of ownership. It feels like an internal team, not a vendor." — Febriani, AVP Product at Bababos ⚙ TECH STACK AI & Integration: AI Integration: Claude Code, OpenAI, FastAPI | AI API Integration: LangChain, Supabase Frontend: Full Stack Web Developer: React, TypeScript, Next.js, Vue.js Backend: AI Integration Specialist stack: FastAPI, Django, Python, Node.js, GraphQL DevOps: AWS, DigitalOcean, Kubernetes, Docker From App Developer with AI builds to full stack developer delivery — our team covers SaaS Sales-ready products end to end.

I am a tool maker and a problem solver. I have deep experience working with software including massive distributed systems and microscale IoT devices. I enjoy designing and building complex electro-mechanical systems and developing easy to use interfaces. I'm excellent at hardware design, software design, fabrication, development, testing, and delivery. I have good communication skills and strive to create simple effective robust solutions.

JOSH FOUNDER | 30 YEARS BUILDING AND SHIPPING SOFTWARE PRODUCTS I've founded studios, exited them, and shipped apps to both the Apple and Google app stores. Now I lead a US-based senior engineering team that directs AI agents across the full build. You get the speed. We stay accountable for what ships. This is not vibe coding. It is senior engineering judgment combined with AI execution, built for founders and operators who need to move faster without losing control of the codebase. We embed as a partner, not a vendor. Most clients stay and keep building with us as their de-facto tech team. WHY CLIENTS WORK WITH ME Many software and AI projects fail because the wrong decisions get made early. Scope is unclear. Architecture is rushed. Costs balloon. AI-generated code looks complete but breaks under real-world use. I help clients avoid that by putting senior technical judgment at the center of the build from day one: before development begins, before costs lock in, before the wrong decisions get baked in. WE'RE PROBABLY A FIT IF YOU Have a validated need but no technical team to build what comes next Have a spreadsheet or prototype that proved the idea but won't scale Have a vibe-coded app generating MRR but need a stable foundation under it Started building but need architecture and senior oversight to finish Want to use AI without losing control of your codebase Run knowledge-heavy operations you want to automate without losing human control WHAT WE DO: TWO SERVICE LINES, ONE ENGINE Every build runs on AI agents working alongside senior engineers. That engine powers both: Agentic Software Development. We build the product your customers use: apps, web platforms, games, AI products, and AR/VR, from MVP to scale. Agentic Workflow Automation. We automate the knowledge-heavy processes your team runs on: operations, data pipelines, and document workflows, with AI agents and human-in-the-loop control. The difference is simple. One builds the product your customers use. The other builds the process your team runs on. WHAT WORKING WITH ME LOOKS LIKE Full team: senior engineers, product owner, designer, and QA. I lead. AI executes. Nothing ships without senior review. Advisory: I come in as your fractional technical leader. Same judgment, scoped to what you need. Either way, your code stays clean. Your IP stays yours. We bill for outcomes and architectural judgment, not manual hours. REAL RESULTS Delivered a $1.2M-class enterprise platform for under $95K, same deliverables, fraction of the cost Designed infrastructure that scaled through 500% traffic growth post-launch, with no added admin staff Running 79M pricing combinations in the first 30 days of live production, a lifetime of manual work Drove a 70% increase in R&D utilization through higher AI adoption Turned 20 years of institutional knowledge into a single searchable, trusted source WHAT WE'VE BUILT Maritime AI (Dolgo): voice-first RAG platform for offline expert knowledge capture Automotive SaaS (Ben's Best Price): 79M real-time pricing combinations, replaced manual ops Chemical R&D (Private): 70% increase in AI usage, faster project completion Live Broadcast AI (Pickford AI): first-of-its-kind multi-agent storytelling engine with real-time audience adaptation Nonprofit / Education (5 Keys): 20 years of institutional knowledge made searchable TECH STACK AI/ML: LLMs, RAG, vector search, multi-agent, computer vision Mobile: React Native, Swift, Kotlin, Flutter Game/AR/VR: Unity, Unreal, ARKit, ARCore Backend: Python, Node.js, C#, Firebase, PlayFab Cloud: AWS, Azure, Google Cloud, Supabase, Docker, Kubernetes BEFORE YOU SPEND MORE BUDGET Send me a message first. Honest read on the risks, the gaps, and what it would actually take to ship. No pitch. No commitment. NDA first.

Hi there, I design and build scalable cloud-native platforms. • AWS DevOps Professional Certified • Proficient in EC2, ECS, EKS, Terraform, and CI/CD automation My Platform Engineering Services: • Infrastructure as Code (Terraform, Ansible) • Kubernetes (EKS, GKE) • Containers & Orchestration (ECS, Fargate, Docker) • Observability (Prometheus, Grafana, OpenTelemetry) • Cost Optimization & Auto Scaling • Secure CI/CD Pipelines (GitHub Actions, CodePipeline) • AWS (VPC, IAM, RDS, S3, CloudFront, ACM, Route 53) • GCP, DigitalOcean, Vercel migrations • Secrets Management (SSM, Secrets Manager, Vault)