AI applied with judgment
We ship AI products and run our own SaaS, CampaignHQ. We know where AI genuinely moves the needle and where it is just noise, so you never pay for AI theatre.
Production AI & Software
Production software with AI built in, for growing businesses.
Software and AI, engineered to last.
Senior engineers who have shipped fintech, SaaS, marketplace, and operational systems at scale. We build the web, mobile, and platform software your business runs on, and the AI that automates and enhances it.
- 4.9 Clutch
- 5.0 Google
- AWS Partner
Start with the work you need done.
AI and work automation
Your team is doing work your software should be doing. We automate it in production, not in a pilot.
CampaignHQ, our own automation platform, run in production since 2022.Build and grow a product
You have the idea and no engineering team. Senior engineers ship it, with full IP and a clean handover.
Volopay, first production version of a YC S20 fintech, $31M+ raised.Keep building
Your product is live and you have nobody to grow it. Senior AI and software engineers on custom development, or a team on retainer.
Equipp, a production B2B and B2C rental marketplace, built end to end.Already on a platform and hitting its limits? Outgrown Shopify → Built it with AI → Outgrown no-code →
Trusted by teams shipping real systems
Why KUMO
Most AI shops can't engineer. Most dev shops don't get AI.
We sit in the rare middle. A model is the easy part. The architecture, the data, and the security around it decide whether it works for years or breaks in a month. We come at AI as engineers, so the intelligence we add stands on something solid.
Engineering discipline, first
Architecture, testing, security, and the long-term maintenance serious software demands. The same craft behind the fintech and consumer apps real customers depend on every day.
The result
Intelligence on a foundation that lasts.
Models will keep changing. Sound engineering is what keeps your product standing through every shift: the difference between AI that impresses for a week and software your business can rely on for years.
What we build
From custom software to production AI.
Custom software, web, and mobile for businesses without an in-house team, plus production AI where it genuinely moves the needle. Senior engineers, milestone-based, code yours from day one.
Custom Software Development
Custom web, mobile, and platform software built around your operation, with AI built in where it makes work faster. Full IP, yours to run.
Learn more →AI Workflow Automation
Production AI built into the workflows your team actually uses, not pilots they work around. Finance, support, ops.
Learn more →WhatsApp Business
Custom WhatsApp Business systems for revenue stage teams. WABA, AI agents, deep CRM integration, industry automations. CampaignHQ is a Meta Tech Provider.
Learn more →Marketing Automation
Custom marketing automation for revenue stage teams. Multi channel journeys, CDP and CRM sync, real attribution, AI decisioning. When SaaS platforms hit their ceiling.
Learn more →AI Product & Platform
Greenfield AI products built for production from day one, with observability, evals, and fallback paths in the architecture.
Learn more →AI Integration
Add AI to the software you already run, working with the messy data and compliance constraints SaaS vendors do not reach.
Learn more →Web & Mobile Development
Production web and mobile for businesses outgrowing no-code builders and prototypes. Code your team can extend after we hand it over.
Learn more →Product Design (UX/UI)
UX research, product flows, and UI design for web and mobile, then built by the same team that designed it. No handoff gap.
Learn more →Also: AI Infrastructure and Founders Partnership. See all services →
For Founders · 0 → 1
We also build with founders at the 0-1 stage.
What you get
At the 0-1 stage you have an idea and need it built into something people can actually use. We design, build, and launch that first product for you: web, mobile, and AI apps, engineered by a senior team that has shipped fintech and SaaS at scale. You get to real users quickly, on code built to last rather than a throwaway prototype, and everything is yours: full source code and IP, ready for your team to take forward as you grow.
- The founders and senior engineers on your build from day one, no junior hand-off
- Fixed scope, milestone-based, typically 2 to 3 months
- Full IP and a codebase you own, built to extend as you grow
- Frictionless handover when you raise or bring on an in-house dev team
- Continuous support and maintenance until your product is stable
- Resume development anytime to take it to the next stage, our engineering expertise on call whenever you need it
Selected work
Production AI we have delivered.
Fintech · YC S20 · $31M+ raised
Volopay
Built the first production version of a YC fintech operating across 6 countries. Engineering partner through scale.
Read the story -> B2B SaaS · Our own product
CampaignHQ
Cloud-native marketing automation SaaS we built, run, and operate. Live on G2 and Capterra. AWS Partner.
Read the story -> B2B e-commerce · Ralco GroupEquipp
Production rental marketplace for a 25-year IT hardware leader. B2B and B2C in one platform.
Read the story ->Technologies and platforms
Technologies and platforms we build with
No single KUMO stack. Every build gets its own, assembled for your workload, your team, and whoever maintains it after handover.
How we deliver
The KUMO Method.
Six phases from first scope to launch and ongoing support, milestone-based, senior engineers from start to delivery. 12-16 weeks for standard engagements, 4-6 months for larger multi-use-case builds.
Built for production
Production-grade by default.
Growing businesses cannot afford AI that breaks in production. Every engagement ships with the operational scaffolding serious software requires.
Governance built inCompliance review during scoping. Audit logs for every AI decision in production. Documentation your legal team can review.
Production observabilityDistributed tracing, drift monitoring, latency alerts. You know about problems before customers do.
Human-in-the-loopAnywhere a decision matters, such as payments, compliance, and customer-facing answers, humans approve before the AI acts.
Cloud-flexible deploymentAWS Partner, but we deploy where your business needs to operate: AWS, Google Cloud, Azure, OVHcloud, Hetzner, Scaleway, or on-prem.
Rollback & versioningEvery production AI deployment has versioned models, instant rollback, and phased rollout. No surprises.
Voices
Businesses and founders who build with us.
KUMO are our go-to consultants when it comes to solving deep fintech technical architecture problems and building custom AI tools.
Impressed with their timely project completion, transparency, and honesty. They built our equipment rental platform end-to-end.
We were impressed by their know-how, communication, and proactivity. Fair, transparent agreements. I can comfortably recommend KUMO.
Building our fintech app for Indonesia and Philippines markets. Senior team, fast moves, and quality you can trust on regulated workflows.
Great developer company. We created a B2B SaaS start-up with the help from KUMO and the result turned out great. Good value.
I loved working with KUMO. Great communication, timely delivery, and a "go-the-extra-mile" culture that was very much aligned with ours.
Their willingness to go the extra mile and find solutions was impressive. Timely delivery without ever compromising on quality.
They exhibited a strong desire to engage in discussions beyond their direct work. Strong product thinking, not just code execution.
The collaboration was great. It was like we were one team. I was pleasantly surprised, given the cost, by the quality of the work.
They grasped the concept and executed to create exactly what I needed. High-quality work, delivered on time, with clear communication throughout.
Extreme professionalism, attention to detail, and craftsmanship. What most impressed me was the willingness to go above and beyond along the entire journey.
It's been great working with the team at KUMO. They really understood our vision and helped us bring it alive. My users absolutely love the app and we can't wait to continue building with them.
Insights
Latest AI insights.
AI Vendor Exit and Handover Checklist for 2026
Use this AI vendor exit checklist to transfer code, cloud, data, models, monitoring, access, and runbooks without losing control of production.
Read ->First AI Hire vs AI Delivery Partner for Startups
Choose a first AI hire for durable ownership or a delivery partner for bounded speed. KUMO uses milestone-based payment. Compare the founder decision.
Read ->Cost Guide: Hiring a Senior AI Engineer in India 2026
Assess hiring, partner, and fractional paths for senior AI delivery in India. KUMO’s Clutch rating is 4.9. See the cost model for B2B founders and CTOs.
Read ->Common questions
Questions buyers ask before trusting AI in production.
Who owns the code, prompts, models, and data we produce? +
You do. Full IP transfer is the default: code, prompts, fine-tuned weights, datasets, infrastructure-as-code, documentation. We do not keep back-doors, license-locked components, or proprietary frameworks you need us to maintain. Repos are yours from day one.
How do you measure ROI and decide whether something should ship? +
We agree on the business metric before we write code: hours saved, cycle time reduced, conversion lifted, error rate dropped. Every prototype goes through a go/no-go review against that metric before it earns a production budget. We have told clients not to ship features that did not move the number, then rescoped from there.
Should I go custom or buy SaaS? +
We build what fits your business. We map your use case first, put the tools you already run to work where they help, and build custom where it reaches the data, workflows, and compliance that generic software leaves on the table. You finish with production software shaped around how you actually operate.
Where are you based, and how do you handle NDAs across borders? +
Global team operating from India with active engagements across the US, UK, Europe, the Middle East, and Asia: 11+ countries to date. We sign mutual NDAs and DPAs before discovery, support customer-jurisdiction contracts, and align working hours to your team core overlap. Cross-border IP transfer and data-handling clauses are routine for us.
Let us build your competitive advantage.