Fractional CTO · pre-seed & seed founders

Ship the MVP.
Reach the next milestone.
Keep your equity.

I’m a fractional CTO who ships product, owns the engineering calls, and helps you tell the product story that closes the next fundraise.

Thomas Hepner

About

I’m Thomas Hepner. I’ve spent the past 10 years building and shipping products in financial technology, machine learning, stablecoins, and onchain credit.

  • Built financial infrastructure at Credit Coop processing $2B+ in annualized volume with no exploits — featured by Visa in its Stablecoins Beyond Payments: The Onchain Lending Opportunity whitepaper.
  • Raised $4.5M from top-tier investors including Coinbase Ventures.
  • Hired and led engineering teams that shipped products with millions in ARR.
  • Deployed machine learning models used for lending decisions by 13,000+ bankers.
  • Early angel investor and partner with seed-stage startups now collectively worth billions.

Engagements

Advisory
1-week

Unblock an issue.

One engagement. One problem. Architecture review, hiring call, fundraise technical narrative, stack decision — in days, not weeks.

  • Operational security review
  • Security or smart contract audit prep
  • Product narrative and pitch deck review

Ready to ship?

If you just closed a pre-seed round and need a working product to reach the next milestone — send one email.

Reply within 24 hours. If we’re a fit, I’ll share a calendar link for an introductory call.