About
AI consulting for teams that build.
cosmic9 is an AI-first technology consulting and engineering studio. We help organisations move faster — assessing products, designing systems, and shipping code using the best AI models available.
Research Areas
Deep domain research across payments, standards, and AI-enabled operations.
Payment Technology
Platform assessments across payment gateways, orchestration stacks, wallet systems, fraud controls, and reconciliation architectures.
Cross-Border Standards
Research and implementation guidance for SWIFT messaging, ISO 20022 migrations, correspondent banking flows, and settlement modernisation.
Domestic Payment Rails
Comparative analysis of UPI, NPP, ACH, RTP, card network rails, and local compliance constraints for domestic payment products.
Blockchain + AI Future
Future-state operating models that combine programmable settlement, blockchain ledgers, and AI-driven operations and risk management.
Enterprise Vibe Coding
Applied examples with PowerApps, Pega Blueprint, and Appian for workflow automation, case management, and payment operations.
What we do
Four ways we help teams win with AI.
Technology Consulting
Strategy and implementation support for teams adopting AI at scale. We map the technology landscape, identify leverage points, and design roadmaps that ship.
Product Assessment
Independent, evidence-based evaluation of technology products — platforms, APIs, and AI tools — so your teams make decisions backed by real data.
Vibe Coded Engineering
We build working prototypes and production-ready code using AI-assisted development. Fast, explainable, and always reviewed by experienced engineers.
AI Model Research
Side-by-side benchmarking and capability analysis across GPT-4o, Claude 3.5, Grok 2, Gemini, Llama 3, and Mistral — so you know which model fits which job.
Mission
Build what matters, faster.
AI has fundamentally changed the speed at which software can be conceived, built, and shipped. We exist to help organisations harness that change — not just by adopting new tools, but by rethinking how technology strategy works in an AI-native world.
Every engagement is grounded in hands-on work: real models, real code, real assessments. We don't deliver slide decks — we deliver working systems.
Values
How we think and work.
Precision
Details matter — in code, architecture decisions, and in how we communicate complex ideas.
Transparency
We show our work. Vibe-coded examples, annotated assessments, and open reasoning — not just recommendations.
Velocity
AI removes friction. We use it to move faster without sacrificing quality or craft.