I build AI agents
that handle real money, real users, and real scale.
Full-stack engineer focused on fintech, payments and agentic systems — shipped to production for companies across Africa and Europe.
Stop fighting your stack.
Most teams don\u2019t have an engineering problem. They have a systems problem - the tooling was never built to work together.
Siloed data
Your systems don’t talk to each other.
Janky integrations
Every tool fights the next one.
Bottlenecked features
Ship slower while competitors ship faster.
Built on a stack that ships.
The builder behind the build.
Martins Michael is a full-stack engineer and AI agent architect who designs, builds, and ships systems that move money and information at scale.
His work sits at the intersection of payments and fintech, where reliability is a feature — every API, ledger, and agent loop is engineered for correctness under pressure.
Beyond production systems, he cares deeply about developer experience: clean boundaries, honest tooling, and code that reads like a proof.
// CURRENT_FOCUS
AI Agent Architecture
Designing autonomous agents, reasoning loops, and tool orchestration that survive production.
Payments & Fintech
Building reliable rails for money movement, settlement, and reconciliation under load.
Developer Experience
Shipping tooling and interfaces that make complex systems feel inevitable and obvious.
5+
Years Shipping
12+
Products Built
3m+
Transactions Processed
100%
Uptime Focus
Systems that run real money.
Production systems for fintech and beyond.
Aurora Ledger
A real-time double-entry ledger core for high-volume payments.
Helix Recon
Automated reconciliation that closes the books in minutes, not days.
Northwind Support
Autonomous support agents grounded on private docs with human handoff.
Forge Analytics
A streaming analytics platform for trading desks under load.
Ember Portal
Self-serve merchant onboarding with KYC and payout automation.
Relay Gateway
A fault-tolerant API gateway routing millions of events a day.
Engagements that ship.
Clear scopes, honest timelines, production delivery.
Full-Stack Product Builds
From idea to shipped product — design, build, and launch.
Performance & Reliability
Finding the tail, killing the p95, and keeping the lights on.
Security & Compliance
Hardening and audit-ready systems for regulated workloads.
Data Platforms
Streaming pipelines and analytics that scale with your volume.
Payments & Ledger
Reliable rails for money movement, settlement, and reconciliation.
AI Agent Systems
Autonomous agents, reasoning loops, and tool orchestration built for production.
Where I operate.
Domain context matters. These are the sectors where I've shipped production systems under real constraints.
Fintech
Payments, ledgers and compliance-critical rails.
- Aurora Ledger
- Helix Recon
- Ember Portal
Healthcare
Patient-facing systems and HIPAA-grade data flows.
- CareGrid
Logistics
Fleet ops, dispatch and real-time tracking.
- Relay Gateway
SaaS & Software
Multi-tenant platforms that scale with paying users.
- Northwind Support
- Forge Analytics
Retail & E-commerce
Storefronts, carts, and order pipelines that convert.
- Ember Portal
Agritech
Data-driven farming platforms for last-mile impact.
- Northwind Support
A repeatable path from first call to shipped.
No black boxes, no mystery timelines. You always know what happens next.
Discover
A discovery call to map your goals, constraints, current systems and the outcome you actually need.
Design
Architecture, data model and API contracts agreed before any code is written. You approve the plan.
Build
Shipped in short sprints with staging deploys you can see. You review real software, not slideware.
Launch
Migration, monitoring and documentation handled. We go live when it is boring and reliable.
Iterate
Post-launch feedback loop with metrics, profiling and a vNext roadmap agreed with you.
What founders and engineering leads say.
Working with Martins means a system that ships, survives, and scales. This is what the teams on the other side of that work say about it.
Martins rebuilt our reconciliation pipeline without a single late-night incident. The migration was invisible to customers and auditable to the last cent.
Adaobi Nwosu
VP of Engineering · Ledgerline
The agent framework felt like it had already been in production for years. He designed for failure modes we had not even thought to worry about yet.
Jonas Lindqvist
Founder · Northbeam AI
Clean boundaries, honest tooling, and code that reads like a proof. He shipped the whole payments flow in half the timeline we budgeted.
Priya Raman
CTO · Sokudo
He found a p95 latency tail that had been plaguing us for months and eliminated it in the first sprint. The dashboards he left behind still earn their keep.
Kenji Tanaka
Head of Platform · Vantage
Notes from the build log.
Essays and deep dives on agents, payments, and the architecture of systems that hold up in production.
Have a system that needs building?
Let's talk about your project — I'll tell you honestly if it's a fit, and give you a clear path to ship.
hello@martinsai.name.ng · Response within 24h