CTO-as-a-Service · Singapore FinTech

Your FinTech CTO function — Live in 1 week. Cancel anytime.

Helping Singapore FinTech teams get senior CTO coverage in 1 week — from SGD 2,600/mo, not a six-month full-time CTO hire.

Start with a Free CTO Consultation → See the breakdown ↓
3 plans
Lite / Standard / Premium
Pick by load · switch tiers per sprint
Cancel any
Cancel anytime
Sprint-based exit · No 12-month lock-in
100%
Code ownership
Source + IP yours from Day 1
50+
Client engagements
SaaS, FinTech, Healthcare, Manufacturing

30-minute call · No obligation · Code yours from Day 1 · Response within 1 business day

How long until you have something real

How Long Until You Have
Something Real

Four paths every Singapore FinTech team evaluates — measured in time-to-working-code, not slideware.

In-house hire
120–180
days
Hiring + onboarding + ramp-up
Big-3 agency
60–120
days
Discovery + proposal + scope
Freelancer
Variable
timing
Sourcing varies; quality unbounded
Fastest
LLL Inc.
1
week onboarding, then ongoing
Kickoff to working prototype, fixed scope
Three FinTech Realities

Three FinTech Realities.
Three Answers.

MAS-regulated FinTech teams in Singapore can’t hand a payments stack to an unvetted offshore shop.
→ Same-timezone team in Malaysia. Signed NDAs and DPAs before any technical discussion. PDPA-aware from Day 1.
Existing payments code already runs at scale — you need engineers who won’t break audit trails or settlement logic.
→ Engineers who ship to production daily on Fortrain, our own SaaS. They understand reconciliation, idempotency, and traceability.
Cost of compliance failure dwarfs build cost — yet most agencies treat security as an afterthought.
→ Fixed-scope quote with security baked in: audit log, role-based access, encrypted storage from Sprint 1.
Why this speed is possible

Why This Speed Is Possible.

Structural reasons. Not promises — process.

01
In-house Malaysia team
~20 full-time engineers. Zero freelance outsourcing. Day-1 live capacity, no formation lag.
02
AI-augmented development
Internal use of Claude, Cursor, and Cowork compresses implementation hours, with human PR review on every commit.
03
Reusable architecture templates
Sharpened across 50+ client engagements — auth, billing, RBAC, and observability already in place.
04
Meticulous QA process
Detailed scoping, rigorous QA cycles, clear documentation, and predictable communication — engineered into every sprint from kickoff.
How an engagement starts
STEP
01
Initial Call
Response within 24 h. 30-minute consult and current-state interview.
STEP
02
Scope & Quote
Fixed-scope, fixed-price proposal by the next business day.
STEP
03
Kickoff & Sprint Start
NDA signed → repo invite → Sprint 1 begins.
STEP
04
Weekly Ops
Weekly tech consult + async PR review + monthly architecture review. Daily GitHub visibility, weekly demo cadence.
STEP
05
Handover
Working code + documentation + 1 walkthrough call.
Three Plans. Cancel Anytime.

Three Plans. Cancel Anytime.

Three engagement intensities. Pick the one that matches this quarter’s load — switch tiers per sprint, no contract gymnastics.

Lite
Weekly tech consult + async PR review.
SGD 2,600/mo
approx. USD 2,000/mo
Async · Weekly tech consult · AI-assisted PR review
✓Weekly tech consult (async, written)
✓Async PR review (AI-assisted, human-overseen)
✓Basic monthly engineering report
Book a CTO Strategy Call →
Most chosen
Standard
Lite + monthly architecture review + Slack support.
SGD 3,900/mo
approx. USD 3,000/mo
Includes everything in Lite · Monthly architecture review · Slack support
✓Everything in Lite
✓Monthly architecture review (live, recorded)
✓Slack support channel (business hours, GMT+8)
✓Sprint planning + estimation support
Book a CTO Strategy Call →
Premium
Standard + bi-weekly live calls + roadmap planning + on-call escalation.
SGD 6,500/mo
approx. USD 5,000/mo
Includes everything in Standard · Bi-weekly live calls · On-call escalation
✓Everything in Standard
✓Bi-weekly live calls (architecture + roadmap)
✓Roadmap planning (quarterly, written)
✓On-call escalation path for production incidents
✓Hiring & technical interview support
Book a CTO Strategy Call →
Cancel anytime · Sprint-based exits · No 12-month contracts

Already booked a 1-Day CTO (SGD 650–1,300)? The full fee is credited toward your first month’s CTO-as-a-Service plan.

Ready to Move?

Get a CTO-tier recommendation and onboarding plan within 24 hours. 1-week onboarding, then ongoing. No obligation.

Start with a Free CTO Consultation →

30-minute call · No obligation · English PMs, GMT+8

Compare your options

Compare Your Options

A transparent look at what each path costs, takes, and delivers.

In-house hire Big-3 agency Freelancer LLL Inc.
Cost
SGD 200K+/yr salary + benefits
SGD 30–80K per project
SGD 5–15K but variable
From SGD 2,600/mo (Lite tier)
Time to first deliverable
4–6 months (hiring + ramp-up)
2–4 months (proposal + discovery)
Unpredictable (sourcing)
1-week onboarding, then ongoing
Quality control
You manage
Agency process (variable)
None built-in
Daily GitHub review, AI + human PR review
Code & IP ownership
You own (employment)
Contract-dependent
Often unclear
100% yours from Day 1
Communication
Direct (SG local)
Account-manager layer
Timezone gaps (6–12 h)
English PMs, GMT+8, daily
Proof
50+
client engagements
10+
years of engineering experience
3
countries served: Singapore, Japan, Australia

Trusted across SaaS, FinTech, Healthcare, and Manufacturing.

Universiti Malaysia Sabah (UMS) Tunku Abdul Rahman University of Management and Technology (TAR UMT) Sunway University Taylor’s University
FAQ

Frequently Asked Questions

Response within 1 business day. After a 30-minute scoping call, we issue a plan proposal the next business day. NDA and DPA are signed before any technical discussion. Onboarding begins the same week — GitHub connected, Slack set up, 1-hour tech inventory completed within the first 7 days. We have maintained this cadence across 50+ client engagements.
You own 100% of the code and IP from Day 1. Architecture decision records and all documentation are kept in your repository. No escrow, no holding period, no licensing clause. Our university pipeline — Universiti Malaysia Sabah (UMS), Tunku Abdul Rahman University of Management and Technology (TAR UMT), Sunway University, Taylor’s University — means every engineer is a full-time LLL team member, not a rotating contractor.
We are not MAS-certified or MAS-approved — and you should be sceptical of any vendor who claims compliance guarantees. What we provide is compliance-ready architecture review: identifying where your architecture creates regulatory exposure and recommending mitigations. We run Fortrain, our own AI security SaaS, in production. PDPA-aware data handling, audit log design, role-based access, and encrypted storage are standard from Sprint 1. NDA and DPA are signed before any technical discussion begins.
The engagement is month-to-month on the Lite plan, and scope adjustments happen at month boundaries on all plans. You can switch tiers per sprint — no contract gymnastics. The monthly structure means you always have a decision point: continue, upgrade, or change direction. There is no penalty for stopping on the Lite plan.
Our team is based in Malaysia at GMT+8 — the same timezone as Singapore. English-speaking project managers on every engagement. Weekly advisory sessions during Singapore business hours. Slack support active during SG hours on Standard and Premium plans. Daily GitHub commits visible from Day 1. No overnight handoffs, no 6-hour lag on compliance-critical technical decisions.
Yes — always, before any technical discussion. NDA and DPA are issued before you share any product details, API specs, architecture documents, or payment flow data. We have executed NDAs and DPAs across 50+ engagements. Fortrain, our own AI security SaaS, is built to the same security and data-handling standards we apply to every client engagement.
Start this week

Tell Us About Your Product.

30-minute call. No obligation. You’ll receive a delivery scope and timeline within 24 hours.

Tell Us About Your Product.
30-min call · No obligation · Scope + CTO-tier recommendation in 24 hours

Message received.

Expect a CTO-tier recommendation and scope within 24 hours.

50+ engagements GMT+8 same TZ 100% code & IP ownership 1 business day response