zelts

An AI-native software studio

We've built banking, trading, and casino platforms end to end. Now we build the AI agents that run on them.

Agents that read the policy, check every payment, and write the report, for fintech, trading, and iGaming.

Answers come from this site, so they're always true.
Or keep scrolling

Selected work

Industries

Mostly industries where close enough isn't.

Banking & fintech
EMIs, accounts, payments
Trading & forex
Brokerage, risk, market data
iGaming
Casinos, sportsbooks, games
Enterprise
Real-time internal systems

Approach

Building for payments, trading, and iGaming teaches one lesson early: the agent is the easy part. So we build the quiet parts first: data that stays correct, an audit trail, permissions, tests.

Then the agents go on top, where they pay for themselves: every decision logged, every rule traced to its source, and a person in the loop when the stakes call for one. The ones that only demo well don't ship.

Agentic engineering
Agents that run in production, not just in demos. They read the documents, check the work, and hand off to people when it matters.
AI-native products
Platforms built end to end with AI in the core, not bolted on: the data, the integrations, and the interface, from first sketch to launch.
Technical leadership
Hiring, org design, process, and standards for teams adopting AI. A team that ships without a hero holding it together.
Advisory
Where AI pays off and where it does not, architecture reviews, and rescues for teams under pressure. Clear decisions, written down.

People

  • Joe Karam Joe Karam Co-founder · Website, LinkedIn, GitHub and 5 more across engineering, product, and business

Location

Limassol × Global. Based in Cyprus, building for teams anywhere.

Limassol
Home base, Cyprus
Global
Remote, in English, across time zones

Contact

Have something to build, or something to fix? Tell us what you're working on and where it's stuck. Every message gets a personal reply. Reach out on Instagram, or directly to Joe on LinkedIn.

— Joe, Co-founder