Fintech engineering lead
Payments infrastructure: IBAN payments, international transfers and digital-asset wallets.
We help founders, CTOs and product teams decide what's worth building, ship it on real suppliers, money and data, and keep it running. Led by Luke Bulik.
What you're paying for
Use the tools. You probably don't need us for these.
01 · Deciding
A premium travel business had Sabre access and premium hotel benefits, but outdated, slow technology. A custom build wasn't financially viable, so we partnered up and built the entire platform together, on Daleko.ai, our own platform.
See how we built Bellhopping02 · Shipping
DataSeer's AI extracts data from engineering diagrams and datasheets. After another agency couldn't deliver one feature in five months, two of our frontend developers joined their team and delivered it in a month.
See how we shipped it03 · Running
ABF Pay, a multi-currency account for personal and business customers, has been live for a long time. According to abfpay.com, it takes payments in 37+ currencies from 200+ countries. Our engineers still work on it.
See what we builtWhere you start from
Luke leads the technology side with you. At most five of these at a time.
Supplier access or data, with nothing built on it yet. We can build the product on it with you, as partners.
Built as partners: Bellhopping →We work alongside your product team to get it built and shipped, without waiting for internal capacity.

Who leads it
Luke runs BrightDot. He has built software for fintech, data and AI products in Europe and the US.
Before BrightDot, he personally built software for global brands, the agencies behind them, and many startups:
The team
Payments infrastructure: IBAN payments, international transfers and digital-asset wallets.
AI agents and machine-facing APIs.
Engineers who join a client's team and work to its plan.
Is this you?
You probably don't if it's simple and nothing serious breaks when it fails. And if you want a fixed list of features at the lowest hourly rate, a freelancer or a low-cost agency is the better choice.
How it starts
What you have, what's stuck, what has to happen next.
Two weeks, fixed price, from $7,500. What to build and what to cut, the architecture, a check of suppliers and data, the team and timeline, and a fixed quote for the first stage. Credited in full if the build starts within 30 days. The plan is yours either way.
Two weeks, fixed price, from $7,500. A plan you can build from and a fixed quote for the first stage. Credited in full if the build starts within 30 days. The plan is yours either way.
So you can see how we work.
Ways to work together
We lead or join your technology side, end to end.
Talk to Luke →A fixed-price first step that ends in a plan you can build from. Credited in full if the build starts within 30 days.
Ask Luke →Ten short chapters, from deciding what to build to keeping it running, with a build plan template for your coding agent.
Read the guide →The founder and the CTO have two different finish lines, and nobody wrote down which one counts. How to get it moving in two weeks.
Read the post →Not ready yet? Read the Field Guide · Follow Luke on LinkedIn
If you need a team to lead or join your technology side, to decide what's worth building, ship it and keep it running, BrightDot is a good fit. If it's simple and nothing serious breaks when it fails, you may not need us. If you need a fixed list of features built at the lowest hourly rate, a freelancer or a low-cost agency is the better choice.
BrightDot takes on the technology side of a product, end to end: deciding what to build, making the technical calls (architecture, vendors, build versus buy), putting the team together, shipping, and keeping it running in production.
Founders and CTOs of startups, and product teams building something new inside bigger companies. With a CTO, BrightDot works as part of their team. Without one, Luke leads the technology side with you, with at most five of these at a time.
Yes. AI engineering is one of BrightDot's specialisms, and recent work includes AI agents and machine-facing APIs.
With a call about where you are. Then a Build Plan Sprint: two weeks, fixed price, from $7,500, ending in a plan you can build from and a fixed quote for the first stage. The fee is credited in full if the build starts within 30 days, and the plan is yours either way. Then a first change in production, early, so you can see how BrightDot works.