We are an AI engineering firm based in San Francisco. We design the system, build it, run it in production, and stay until your team can operate it.

Input

Loan application

  • Application form
  • Pay stubs, 3 months
  • Bank statements, 6 months
  • Credit report

System Complete

Loan file review

  1. Read 10 documents 1.8s
  2. Retrieved the lending policy §4.2, §7.1
  3. Compared stated and verified income -18%
  4. Ran policy and evaluation checks 6 of 6

Result

Needs review

Stated income is 18% above the verified pay stubs. Everything else meets policy.

Sources

  • 1 Pay stub, March
  • 2 Lending policy §4.2
Send to underwriter

Examples of the kind of system we build. Pick one to see it run.

Most AI projects never make it past the demo.

The model is rarely the problem. Everything around it is: the data, the security, the testing, and running it every day.

That is the work we do.

What we do

Strategy

Deciding what to build, before a line of code.

We work with leadership teams on AI strategy: use-case discovery, target architecture and an honest read on build versus buy.

Explore Strategy

Data and Platform

The platforms, data and cloud your AI stands on.

AI is only as good as the estate beneath it. We build the data pipelines, model serving, cloud architecture and observability that keep systems running, on infrastructure your own team can operate.

Explore Data and Platform

Engineering

Production AI systems, built by senior engineers.

This is the core of the firm: agents, retrieval, copilots, decision systems and the software around them.

Explore Engineering

Adoption and Enablement

Your people, fluent in the systems we build.

A system nobody adopts is a failed system. Training, runbooks and working sessions with your engineers and operators are deliverables in every engagement, so the capability stays in your organization after we leave.

Explore Adoption and Enablement

Customer Experience

AI your customers talk to, answering in your name.

We build customer-facing AI: service copilots, assisted support and retrieval over your own knowledge. Each system ships with the evaluation suite that keeps its answers accurate as models and content change.

Explore Customer Experience

Cybersecurity

AI engineered to pass your security review.

We design AI systems for enterprise risk: threat modeling, access controls and audit trails from the first architecture.

Explore Cybersecurity

Finance Operations

AI for the finance function, built to survive an audit.

We build decision support, document retrieval and workflow automation for finance teams, engineered for auditability from the start.

Explore Finance Operations

Managed Operations

Keeping the system right after launch, as the models move.

Launch is not the finish of an AI system. Models are revised and retired, data and content move, and the business changes what a correct answer looks like.

Explore Managed Operations

Forward Deployed Engineering

Senior engineers inside your organization, still accountable to us.

Some work cannot be written into a fixed scope, because the problem is still moving while you describe it.

Explore Forward Deployed Engineering

What we have built

Before Caltor, the founders built and ran their own companies. These six ventures are that work. They are our own products, not client projects.

How a project runs

Typical consultancy
Caltor
2–3x faster to production
Handoffs between separate teams One senior team, stages overlap Illustrative comparison.

2–3x

Faster to production

Caltor typically takes a project to production two to three times faster than a traditional consultancy. The partner who scopes the work leads it, senior engineers are on it from the first day, and nothing is handed from a strategy team to a delivery team. Your organization gets its time back.

Where the time comes from

  1. 1 The partner who scopes the work leads it, start to finish.
  2. 2 Senior engineers from the first day, never a junior bench.
  3. 3 One team from strategy to production: no handoffs between firms or departments.

Discover

We learn the business problem, who it affects, what it costs you and what limits the solution.

Why it is faster The partner who scopes the work is in the room, so nothing is discovered twice.

Design

We choose the architecture and the AI approach, and agree the plan with you.

Why it is faster The engineers who design the architecture are the ones who build it, so nothing is re-explained.

Build

We build the software and the AI system. You see working parts as they are finished.

Why it is faster Senior engineers only, with evaluation from the first increment, so there is little rework.

Deploy

We put it into production with security, integrations and monitoring in place.

Why it is faster Security and integrations are designed in from the start, not found in a late review.

Evolve

We keep improving it after launch, or hand it to your team with everything they need to run it.

Why it is faster Handover is planned from day one, so your team takes over without a transition project.

Illustrative: what each stage produces.

Industries we work in

Sectors where regulation, integration and the cost of a wrong answer decide how a system must be engineered.

View industries

Banks, payments, insurance and fintech

Financial services

We build AI systems that can survive an audit: decision systems, retrieval over regulated documents, and the controls around both. The founders designed payments infrastructure where every payment is bound to an auditable spend policy, and built security tooling that reports against SOC 2, ISO 27001 and PCI-DSS. That is the discipline we bring to banks, insurers and fintechs.

What we build

  • Retrieval over regulated documents, every answer cited to its source
  • Decision support for credit, underwriting, servicing and operations
  • Agents for finance and payment workflows, with human approval
  • Integration with core banking, payment, ledger and CRM platforms
Financial services in detail

Technologies we build with

The models, clouds and platforms we put into production.

Cloud

  • AWS
  • Microsoft Azure
  • Google Cloud
  • Cloudflare
  • Oracle Cloud
  • DigitalOcean
  • Vercel

Data

  • PostgreSQL
  • MongoDB
  • Snowflake
  • Databricks
  • Google BigQuery
  • Apache Spark
  • Apache Kafka
  • Apache Flink
  • Elasticsearch
  • ClickHouse
  • Neo4j
  • DuckDB
  • Redis
  • dbt
  • Apache Airflow
  • Supabase

Platform and delivery

  • Kubernetes
  • Docker
  • Helm
  • Argo
  • Terraform
  • Ansible
  • Temporal
  • Prometheus
  • Grafana
  • Datadog
  • OpenTelemetry
  • Sentry
  • GitHub Actions
  • GitLab
  • Jenkins
  • NGINX
  • RabbitMQ
  • Linux

Security and identity

  • Okta
  • Auth0
  • HashiCorp Vault
  • Snyk

Languages and frameworks

  • Python
  • TypeScript
  • Go
  • Rust
  • Java
  • Kotlin
  • Swift
  • .NET
  • Node.js
  • FastAPI
  • Django
  • React
  • Next.js
  • Vue.js
  • Svelte

Talk to a partner

Tell us the problem. We'll come back with an architecture, a scope and a number. Most work with us starts small: one fixed-scope piece of work that proves the system before anything larger is committed.