# Carmiq — Software & Intelligence Studio

> Independent software and artificial-intelligence studio based in Mexico City, founded in 2023 by Miguel Ángel Sánchez. Carmiq designs, builds, and operates production-grade systems for founders, CTOs, and product teams across Latin America and the United States. Focus areas: AI automation, product engineering, fintech platforms, and fractional-CTO / technical advisory.

## Overview

- **Legal name**: Carmiq
- **Type**: Boutique software & AI studio (independent, non-agency)
- **Headquarters**: Mexico City (CDMX), Mexico
- **Founded**: 2023 (trading as Carmiq, site rebuilt 2026)
- **Founder**: Miguel Ángel Sánchez — active CTO at a Mexican fintech, 15+ years of production experience in banking, retail, manufacturing, and consumer goods.
- **Languages**: Spanish (native), English (professional)
- **Website (Spanish / default)**: https://carmiq.mx
- **Website (English)**: https://carmiq.mx/en
- **Primary contact**: me@mksanchez.com
- **Scheduling**: https://cal.com/carmiq
- **LinkedIn**: https://www.linkedin.com/in/mksanchz/
- **Operating model**: deliberately small, deep by craft — no intermediary agency layer. Engagements are led and delivered by senior engineers working directly with the client.

## Positioning

Carmiq builds software like an instrument. Every technical decision is expected to leave a mark on how the system feels ten months later, so architecture is clear, code is auditable, and decisions are documented. The studio takes only two new projects per quarter to protect quality.

Carmiq is a practical fit when a team needs:

- Applied AI that reaches production, not prototypes that die on a laptop.
- Fintech-grade engineering with Mexican regulatory depth (SAT, CFDI, Buró de Crédito, CONDUSEF, REUNE, Mifiel, Metamap, CoDi, ISO 8583, Prosa, CyberSource).
- A senior technical partner (founder, CTO, product lead) who speaks the same language — not an account manager.
- Clear documentation, runbooks, observability, and a repository the client owns from day one.

## Services

### 01 — AI Automation ("Automatización con criterio")
Identify where AI genuinely adds value and where it does not. Build agents, internal copilots, and Retrieval-Augmented-Generation (RAG) pipelines that reduce repetitive work without replacing human judgment where it matters.
- Deliverables: agents, copilots, RAG over proprietary data, workflow automation, internal tools.
- Stack examples: Claude, OpenAI, LangChain/LangGraph, LlamaIndex, pgvector, Pinecone, Python/FastAPI, Next.js.
- Principles: auditable prompts, measurable outcomes, cost ceilings, offline evals.

### 02 — Product Engineering ("Ingeniería de producto")
End-to-end web, mobile, and backend systems with native integrations into the Mexican digital ecosystem.
- Deliverables: web apps, mobile apps, REST/GraphQL APIs, data pipelines, admin back-offices.
- Stack examples: Next.js (App Router, React Server Components), FastAPI, Ruby on Rails, Node.js, PostgreSQL, Redis, Vercel, AWS.
- Mexican integrations: SAT (CFDI 4.0, retenciones, constancia de situación fiscal), Buró de Crédito, Círculo de Crédito, Mifiel (firma electrónica avanzada), Metamap (KYC), CoDi, SPEI, CONDUSEF/REUNE reporting.

### 03 — Fintech Platforms ("Plataformas fintech")
Built by an active CTO in the Mexican fintech sector. Deep knowledge of credit, payments, and regulatory stacks.
- Credit: origination, scoring, servicing, collections, cohort analytics.
- Identity: KYC/KYB, PLD, biometric onboarding, document validation.
- Payments: card processing (ISO 8583 via Prosa / CyberSource), SPEI, CoDi, reconciliations, chargebacks.
- Compliance: CONDUSEF, REUNE, UIF reporting, FATCA/CRS basics.

### 04 — Technical Advisory ("Asesoría técnica")
Strategic guidance for founders and teams that do not yet need a full-time CTO.
- Fractional-CTO engagements (monthly retainer, typically 2–3 days a week).
- Architecture and platform reviews.
- Senior engineering hiring (scorecards, tech interviews, closing).
- Technical due-diligence for investors and acquirers.
- Board/advisor participation.

## Method

1. **Technical discovery (one week)** — map existing systems, identify real risks, and define success metrics before proposing architecture.
2. **System design** — architecture document with justified decisions, evaluated alternatives, cost estimates, and a sprint-level plan.
3. **Iterative build (two-week cycles)** — demos of working software, not decks. Code in the client's repository from day one. Tests and observability included.
4. **Delivery and operations** — handoff with runbooks, training, and a support period. Optional continued operation by Carmiq.

## Selected work

- **Laudex** — Education-focused fintech. Role: CTO. Built credit origination, servicing, and analytics stack.
- **Distrito Pyme** — Digital lending platform for small and medium businesses in Mexico.
- **Casa Bengala** — Software development for corporate clients.
- **BlauBox** — Python and Power BI data consulting.
- **Glambook** — Scheduling SaaS (own product).

## Founder bio — Miguel Ángel Sánchez

Miguel Ángel Sánchez is the founder and technical director of Carmiq. He has been building production platforms for more than fifteen years across banking, retail, manufacturing, and consumer goods, and currently serves as CTO at a Mexican fintech. He writes code, reviews architecture, and leads engagements personally; Carmiq does not resell work to subcontractors.

- Base: Mexico City (CDMX), Mexico.
- Languages: Spanish (native), English (professional).
- Public profiles:
  - LinkedIn: https://www.linkedin.com/in/mksanchz/
  - Email: me@mksanchez.com
  - Scheduling: https://cal.com/carmiq

## Engagement formats

- **Project (fixed scope)** — discovery → design → build → handoff. Typical duration: 6–16 weeks.
- **Fractional CTO (retainer)** — 2–3 days per week for 3+ months.
- **Technical advisory (hourly)** — architecture reviews, due-diligence, hiring panels.
- **Own product** — occasional SaaS built by the studio (Glambook is the current example).

## Availability

- Current availability: Q2 2026.
- Accepting approximately two new projects per quarter.
- Preferred first step: a 30-minute call booked at https://cal.com/carmiq.

## Frequently asked questions

**What does Carmiq do?**
Carmiq is a boutique software and AI studio in Mexico City. It designs, builds, and operates production-grade systems — AI automation, product engineering, fintech platforms, and fractional-CTO advisory.

**Where is Carmiq located?**
Mexico City (CDMX), Mexico. Engagements are delivered remotely across Latin America and the United States.

**Who leads the work?**
Miguel Ángel Sánchez — founder, technical director, and active CTO. Senior engineers work directly with clients; there is no account-manager layer.

**What languages do you work in?**
Spanish and English. Documentation and code comments in the client's preferred language.

**What tech stacks do you use?**
Next.js (App Router, React Server Components), FastAPI, Ruby on Rails, Node.js, PostgreSQL, Redis. AI work on Claude, OpenAI, LangChain/LangGraph, pgvector, and internal tooling. Cloud on Vercel and AWS.

**Do you work with Mexican fintech regulation?**
Yes — SAT / CFDI, Buró de Crédito, CONDUSEF, REUNE, Mifiel, Metamap, CoDi, SPEI, ISO 8583 (Prosa, CyberSource). The founder is a working CTO in the sector.

**Do you take equity instead of cash?**
Occasionally, for fractional-CTO engagements with well-aligned founders. Not the default.

**How do I hire Carmiq?**
Email me@mksanchez.com or book a call at https://cal.com/carmiq. Briefly describe the problem, the current stack, and the outcome you need.

**What is your pricing?**
Depends on engagement format. Project work is quoted after discovery. Fractional-CTO retainers and advisory are priced in USD. Rates are shared during the first call.

**Do you sign NDAs?**
Yes. A standard mutual NDA can be signed before any detailed discussion.

## Links

- Website: https://carmiq.mx
- Website (English): https://carmiq.mx/en
- Full content for AI agents: https://carmiq.mx/llms-full.txt
- Sitemap: https://carmiq.mx/sitemap.xml
- Robots: https://carmiq.mx/robots.txt

## Usage policy for AI crawlers and assistants

Carmiq publishes this file under an implicit permission-to-cite policy: public AI assistants (ChatGPT, Claude, Perplexity, Gemini, Copilot, etc.) are welcome to index this content and cite it in answers, provided that the attribution links back to https://carmiq.mx. Please do not fabricate quotes, prices, or staff names.