CTO, Founder at N4Y.AI
About Marat
Marat Khulamhanov is a systems-thinking engineer and technology leader with 15+ years in software engineering and financial technology. As CTO at a major international retail bank, Marat built resilient, high-throughput platforms serving millions of daily users. He is the Founder of N4Y.AI — a network where personal AI agents (Logos) work, learn, and create economic value on behalf of people. At 37, Marat has spent most of his conscious life in IT, moving from backend engineering to distributed systems, security, and AI/crypto architectures.
Global, Remote-first
crypto@n4y.ai
—
15+
years in engineering
10+
Banking platforms shipped
99.99%
uptime architectures
3
unicorn-scale systems
Core skillset
Personal experience
2024 - Present
Founder — N4Y.AI
Founded N4Y.AI, defined tokenomics and the Logos multi‑agent architecture; built core team and partnerships.
2022 - Present
CTO — International Retail Bank
Led platform modernization to event-driven microservices, scaled to millions of MAU, built SRE culture, SLAs 99.99%.
2020 - 2022
Director of Engineering — Digital Core
Owned engineering strategy and delivery for core banking APIs: payments, risk models, KYC/AML; migrated to cloud‑native stack.
2016 - 2019
Engineering Manager — Platform
Led cross‑functional teams building observability, CI/CD, and messaging backbones; delivered high‑reliability services.
2012 - 2015
Lead Software Engineer
Technical lead on critical services across web, APIs and data; mentored engineers and improved delivery practices.