CTO Co-Founder - for Fintech Infrastructure Startup

@hirujiyu

Hello, This role looks interesting to me. I like working on early stage projects where I can take responsibility and build things properly from start. I enjoy solving technical challenges and planning systems that can scale later. My experience is mainly in backend and full-stack development. I have worked on APIs, integrations, platform type projects, and production applications. I am comfortable with architecture decisions, security basics, performance, and long-term stability. Fintech direct experience is less but I understand payment systems, API flows, and related technical aspects. I am open for long-term involvement and serious contribution if things align well. Remote work and gradual ramp-up is fine for me. We can discuss more if you feel my profile fits. Thanks

@AwaisChaudhry

Hello, I’m excited about joining as CTO Co‑Founder to own the technical vision for your fintech infrastructure startup. I will translate your pre‑launch architecture into a scalable, secure platform with a developer‑first API stack, focusing on reliability, risk controls, and clean, testable roadmaps. My approach is to define a pragmatic tech agenda that pairs rapid MVP hardening with long‑term defensibility, align with the founder on product and investor readiness, and grow the team post‑funding. I’ll establish core API contracts, data security practices, observability, and incident response while keeping architectural decisions concrete and measurable. What is your target API uptime/SLAs in the first year? Which payment rails and regions are priority early on, and are there any regulatory constraints we must design for from day one? What is the expected split between feature work vs. platform hardening? Do you have an existing security framework or compliance standard we must map to (e.g., SOC 2, PCI DSS)? What is the expected hiring plan and funding milestones over the next 12–24 months? What is the preferred tech stack and any constraints on vendor/platform choices? What is the availability window for founding discussions and decision cycles? What is the minimum viable security suite you want in place before investor demos? Are there any non‑functional requirements (latency, throughput, data residency) we must guarantee from launch? Best regards,

@ASirbescu

Hello, As a seasoned full-stack developer with a decade of experience, I believe I am the ideal candidate for your CTO Co-Founder role. With a strong background in backend/systems engineering using modern tools like Python and JavaScript, I've not only built robust APIs and platforms but have also steered products successfully from ideation to launch. My achievements include developing scalable, high-performance web applications that complement dynamic front-end interfaces - exactly what your startup requires. What sets me apart is my deep understanding and familiarity with fintech, payments, and large-scale systems. Over the years, I've honed my skills in crafting secure, reliable, and scalable solutions - precisely the kind of technical leadership you seek. Moreover, my standout ability to navigate complex, early-stage environments and develop innovative yet practical approaches will be invaluable as we build your company designed to scale. Beyond just equity and impact, I'm genuinely enthusiastic about the fintech landscape as a whole. This is why your opportunity to shape a fundable, venture-ready company speaks volumes to me. Given my availability and long-term goals align perfectly with this role, I am excited to bring my entrepreneurial mindset along with my technical expertise to take your innovative infrastructure startup to new heights. Thanks!

@tangramua

Dear ,   We carefully studied the description of your project and we can confirm that we understand your needs and are also interested in your project. Our team has the necessary resources to start your project as soon as possible and complete it in a very short time.   We are 25 years in this business and our technical specialists have strong experience in Software Architecture, Node.js, Payment Gateway Integration, Backend Development, API Development, API Integration, Payment Consulting, FinTech, Payment Processing and other technologies relevant to your project.   Please, review our profile https://www.freelancer.com/u/tangramua where you can find detailed information about our company, our portfolio, and the client's recent reviews.   Please contact us via Freelancer Chat to discuss your project in details.    Best regards, Sales department Tangram Canada Inc.     

@Web1devloper

With my significant expertise in backend/systems engineering, API development, and deep knowledge of fintech and payment systems, I am highly confident in my ability to excel as the CTO Co-Founder for your fintech infrastructure startup. Having spent over 8 years crafting dynamic web solutions and working on numerous innovative projects, I have developed a proficiency with platforms and APIs that aligns perfectly with your project's needs. My founder mindset is rooted in seeking equity and impact rather than simply completing tasks, making me particularly invested in helping you build a venture-scale company. Importantly, I embrace ambiguity and thrive in early-stage environments. Such resilience was forged during my tenure at a dynamic IT company where I had ample opportunities to take the initiative, adapting quickly to evolving challenges—skills that will be invaluable as we navigate the complex world of fintech together. Choose me as your CTO Co-Founder and let's realize the grand vision of your project while scaling it effectively and raising institutional funding.

@enervell

Hi, I'm excited about the opportunity to become a CTO Co-Founder for your fintech infrastructure startup. Having worked extensively with backend systems and APIs, I have the unique blend of technical expertise and entrepreneurial mindset essential for building scalable and secure platforms. 1. **Technical Architecture**: I've successfully led projects similar to yours, focusing on building robust fintech APIs designed for high throughput and low latency. 2. **Collaboration**: My experience in collaborating with founders ensures that I understand both the product vision and investor expectations. 3. **Scalability & Security**: I have a proven track record in making architectural decisions that prioritize reliability and scalability, often in high-stakes environments. 4. **Team Leadership**: I've built and led teams post-funding, instilling a culture focused on innovation and excellence. I'm passionate about creating impactful products and shaping a venture-scale company. I would love to discuss how I can contribute to your vision. Thanks, Luis

@vishal1145

I've built payment infrastructure that processed $40M+ in transactions for 3 fintech clients, and your architecture is going to hit two critical bottlenecks before you pitch investors: PCI compliance scope and idempotency at scale. Most pre-launch fintechs underestimate how card data tokenization affects your entire system design, and if you're routing payments through multiple processors, you'll need a reconciliation layer that can handle failed webhooks without double-charging users. Before we discuss equity structure, I need clarity on two things: Are you building a payment orchestration layer (routing between Stripe/Adyen) or direct processor integration (Visa/Mastercard rails)? And what's your target transaction volume at 12 months post-launch - this determines whether you need event sourcing from day one or can start with a simpler ledger design. Here's how I'd approach the technical foundation: - NODE.JS + TYPESCRIPT: Build a strongly-typed API core with domain-driven design to isolate payment logic from business rules, making it easier to add processors without rewriting the stack. - PAYMENT GATEWAY INTEGRATION: Implement adapter patterns for Stripe, Adyen, and at least one backup processor with automatic failover to hit 99.95% uptime during outages. - API SECURITY: Design OAuth2 + webhook signature verification with replay attack prevention and rate limiting per merchant tier to pass SOC2 audits before Series A. - LEDGER ARCHITECTURE: Build an append-only transaction log with double-entry accounting to ensure every cent reconciles, which investors will scrutinize during due diligence. - SCALABILITY: Use PostgreSQL with read replicas and Redis for idempotency keys to handle 1K transactions per second without horizontal sharding initially. I've been a technical co-founder twice (one exit, one still operating) and led engineering at a payments company through their Series B. I don't take co-founder roles lightly - I need to see the full architecture docs, competitive positioning, and fundraising timeline before committing equity. Let's schedule a 30-minute technical deep-dive where I'll audit your current design and we'll determine if there's founder-level alignment.

@avinashjain09

This is exactly the type of challenge I’m interested in building a developer-first fintech infrastructure product designed for scale and defensibility from day one. I’m drawn to CTO co-founder roles where architecture isn’t just about code, but about positioning the company for institutional funding. Early technical decisions in fintech determine everything: compliance readiness, latency ceilings, operational risk, and investor confidence. My background is in backend and systems engineering, building API-first platforms with strong emphasis on scalability, reliability, and security. I’ve worked on event-driven architectures, payment-like transaction systems, high-availability services, and multi-tenant SaaS platforms. I’m comfortable designing: • Scalable API layers • Event streaming and idempotent transaction flows • Distributed systems with strong observability • Security-first infrastructure • CI/CD and DevSecOps foundations In fintech specifically, I understand the importance of reconciliation logic, ledger integrity, audit trails, and compliance-aware architecture even before regulatory integration begins. I’m comfortable operating in ambiguity and shaping roadmap, hiring strategy, and engineering culture post-funding. My goal long-term is to build something meaningful and durable not just ship features. Availability: Open to part-time ramp-up transitioning to full-time upon traction/funding. Happy to review the full architecture and discuss vision alignment.

@koolvishruth

As an experienced software developer with 8+ years in the field, I’m eager to bring my skills to your fintech infrastructure startup. I have a proven background in developing and implementing complex systems as well as powerful APIs, which aligns perfectly with what you are looking for. My expertise includes Python, ML, AI, React, and NodeJS just to name a few. What truly sets me apart is my ability to adapt and create automation systems for any business scenario - a skill that would prove highly valuable as we build your ambitious payments product. But it’s not just technical skills that I bring to the table; I have a deep understanding and familiarity with the world of finance systems as well - lending an added advantage to your project. Moreover, I’m comfortable working in early-stage environments and have a founder’s mindset. This means that alongside executing the technical vision, I’m also motivated to create real impact and equity for the company. Your project is on its way to becoming fundable and venture-scalable - allow me to join you in making that possibility into reality. Let’s chat about how my skills and long-term goals align with your vision for the future!

@rajubhalani

Eliane, for the CTO Co-Founder role at the fintech infrastructure startup, would it be fine if I review the pre-architected project to propose enhancements for scalability and defensibility? So I believe that by taking ownership of the technical vision and roadmap, we can ensure the successful development of a fundable, venture-scale company. By the way, could you provide more insight into the current timeline for finalizing the MVP and raising institutional funding?

@johnallenvillan1

Hi there, I'm an experienced backend engineer with a strong background in building technical products and platforms, including APIs and infrastructure. I'm excited about the opportunity to take ownership of the technical vision for your fintech infrastructure startup and help build a scalable, defensible product. With my expertise in Node.js, API development, and fintech systems, I am confident in leading the development of a core fintech API platform and making crucial decisions around scalability and security. I'm eager to discuss how I can contribute to your project’s success. Can we explore this further?

@sasaprogramer21

I’m excited about the opportunity to serve as the CTO Co-Founder for your fintech infrastructure startup. I’m drawn to this role because it provides the chance to shape a scalable product with global potential, while contributing to the company’s success and growth. Why I’m Interested: With a strong backend and systems engineering background, I thrive in early-stage, high-impact environments. I have experience designing scalable, secure APIs and infrastructure, and I’m excited to help build a platform that’s both defensible and ready for institutional funding. My Experience: - Backend & API Development: Expertise in Node.js, building high-performance APIs, and integrating payment gateways like Stripe and PayPal. - Fintech & Payments: Experience in payment systems, fraud detection, and ensuring compliance with PCI-DSS and GDPR. - Scalability & Security: Focused on building distributed architectures and systems designed for high availability and fault tolerance. Availability & Goals: I’m open to starting part-time and transitioning to full-time as the project grows. My goal is to build a scalable, secure platform that can attract investors and thrive in the fintech space. I’m excited to learn more about the project and discuss how I can contribute to its success. Looking forward to moving forward!

@jackson325

Hi there, I'm genuinely excited about the opportunity to serve as CTO Co-Founder for your fintech infrastructure startup. Your vision for a developer-first payments product resonates with me, and I understand the importance of finalizing the technical foundation to attract institutional funding. With a robust background in backend and systems engineering, I have successfully built scalable APIs and platforms, delivering reliable solutions in fast-paced environments. My previous projects not only focused on scalability but also ensured security and robustness, crucial factors for any fintech product. ✅My Plan: - Collaborate with you to define the technical architecture and roadmap. - Develop a core fintech API and platform that meets global demands. - Implement best practices for scalability and security. - Prepare the product for investor readiness and future engineering hires. Best regards, Hongqiang Chen

@dtk507

Hi there! I understand your need for a CTO Co-Founder to lead the technical vision of your fintech infrastructure startup, which is both exciting and ambitious. With a strong background in backend systems engineering and extensive experience in building robust APIs and platforms, I am ready to bring your fintech product to life. My experience in fintech and payment systems equips me to tackle issues of scalability, security, and reliability while ensuring the architecture aligns with your overall business goals. I am eager to help you shape a fundable, venture-scale company while collaborating closely with you on product and investor readiness. Please check my profile. Regards, Davide

@jovani81

You are building a developer first global payments infrastructure and need a CTO level partner to own architecture scalability and investor readiness. I have built high availability Node.js APIs including payment integrations where key challenge was idempotency fraud control and horizontal scaling; solved via event driven architecture Redis locking and modular gateway abstraction. I am interested in long term equity driven impact and can ramp part time immediately.

@mayankinnovative

You’re not filling a technical seat—you’re strengthening the company’s ability to raise. At pre-launch stage, the biggest risk isn’t unfinished features; it’s architectural fragility, unclear scalability, and weak security posture under investor scrutiny. A CTO co-founder here must deliver: • A clear, API-first architecture with strong service boundaries • Payments-grade reliability (idempotency, ledger accuracy, reconciliation) • Security by design (tokenization strategy, PCI scope awareness, secrets isolation) • A technical roadmap that signals defensibility My background is in backend and infrastructure-heavy products—designing multi-tenant APIs, event-driven services, and scalable systems built for growth. I prioritize observability, clean domain modeling, and fault-tolerant transaction flows from day one. In fintech contexts, I focus on double-entry ledger logic, failure handling and retries, compliance abstraction layers, and upgrade paths that don’t break integrators. I’m interested in a true ownership role with long-term equity alignment. I’m comfortable operating in ambiguity, defining architecture, and building the first engineering team post-funding. Availability: part-time initially, scaling to full-time with product traction or funding milestones. Long term, I aim to build durable infrastructure, not short-term outcomes. Happy to review current architecture and product thesis next.

@MQamar123

With a strong background in backend and systems engineering complemented by my experience building APIs and platforms, I am confident I can bring immense value to your fintech infrastructure startup. What sets me apart is my ability to face the challenges of an early-stage venture with grit and determination while maintaining a founder's mindset - focusing on the bigger picture rather than just ticking off tasks. I am comfortable operating in ambiguous environments, which is critical during this pre-launch phase where adaptability and flexibility are paramount. Having had over 7 years of diversified software development experience, I see this role as an opportunity to not only leverage my skills but also contribute to shaping a capital-worthy venture. The prospect of working as a CTO Co-Founder excites me. It's not just another job; it's a chance to grow along with a company from its inception and establish defensibility while having equity. I look forward to further discussing how we can build a fundable company designed for scale, together.

@ianb65

Hello, there! I’m interested in the CTO co-founder role because it aligns with how I like to operate: owning architecture end-to-end, building infrastructure that’s fundable, and shaping technical decisions that directly influence defensibility and scale. I’m motivated by long-term equity and building a durable platform, not short-term contract work. My background is heavily backend and systems-focused. I’ve designed and deployed scalable API platforms, built cloud-native architectures, implemented CI/CD pipelines, and structured secure, performance-optimized services intended for growth. I prioritize clean domain modeling, clear API contracts, observability from day one, and infrastructure that supports horizontal scale without re-architecture. I’m comfortable working in ambiguous early-stage environments where the roadmap evolves alongside product-market validation. Regarding fintech relevance, I have experience working with transactional systems, authentication layers, secure integrations, and data modeling where reliability and auditability are critical. I approach payments and financial systems with a strong bias toward security, idempotency, traceability, and regulatory-aware design patterns. Availability-wise, I can begin part-time immediately and transition to full-time as funding milestones progress. Long term, I’m looking to help build a venture-scale infrastructure company where technical architecture becomes a strategic moat. Best regards, Ian Brown

@maxscender

I can help you. In fintech infrastructure, the primary hidden risk isn't the API itself, but managing distributed state and idempotency. Most early-stage payment products fail during institutional due diligence because they haven't solved for race conditions in ledger entries or built-in auditability from day one. I will focus on hardening the architecture to ensure every transaction is atomic and every failure is recoverable without manual reconciliation. Beyond just building Node.js endpoints, the system needs a "failure-first" design—incorporating circuit breakers for third-party gateway outages and a strict event-sourcing approach to the ledger. This ensures the platform is not just functional for an MVP, but defensible and SOC2/PCI-DSS ready when you face technical scrutiny from investors.