ben.milleare

I'm Ben Milleare,
a CTO with £1Bn
of payments behind me.

I've spent twenty-five years in payments and infrastructure, and more recently focus on agentic AI and web3. This is where the work gets written down: what I'm shipping and what hard things I'm solving.

Notes

Latest from the field.

All notes
Topics

Things I talk about the most.

Cross-domain

Most CTOs come up through one discipline.

I came up through four, and the useful part has never been any one of them on its own. It is the squares where they meet, because that is where the expensive mistakes get made and where, in most companies, nobody is holding the whole picture at once.

domain ×
Technology
AI
Finance
Business
Technical strategy
Architecture chosen for the company you actually are
AI that pays
Business cases that survive a board meeting
Unit economics
What a transaction costs before anyone argues about it
Technology
Core engineering
Cloud, distributed systems, durable execution
Agents in production
Delegation, orchestration, containment
Payment systems
Rails, idempotency, reconciliation
AI
Model operations
Deploying, observing and versioning what ships
Core AI
LLMs, retrieval, multi-agent systems
Risk modelling
Decisions a regulator can follow afterwards
Finance
Reading a codebase
Telling an asset apart from a liability
Cost of inference
What a token really costs at volume
Core finance
Risk, compliance, a P&L I have carried myself
Who is writing this

I have been building software for twenty-five years and leading the teams that build it for fifteen of those, mostly as a CTO across payments and infrastructure, and in crypto since 2013. Most of my attention now goes on AI systems and the unglamorous engineering that makes them dependable enough to put in front of customers.

More about me
Agentics Foundation
Associate · agentics.org

I'm a member of the Agentics Foundation, the global community shaping safe, autonomous multi-agent AI, so your team gets first-look access to emerging patterns, governance standards, and production-grade orchestration tooling.