# Khaled Souf

> Fractional CTO and technical due diligence for software companies in Europe.
> Co-founder and CTO of Togethrust, an ACPR-supervised French fintech incubated at the
> HEC Paris Incubator, Station F, Founder Institute and Blue Factory (ESCP). Alongside it, one 360° tech audit per quarter for pre-seed to Series A founders.

## Who

Khaled Souf is a fractional CTO based in Paris, France. 18+ years of engineering across five
countries (France, Switzerland, Canada, UAE, Tunisia), most of it on regulated banking
infrastructure: trading systems and core banking. 50+ projects delivered.

## The offer

A 360° tech audit is a 15-hour, fixed-scope review of a startup's architecture, security,
delivery process, team, and infrastructure costs, delivered as a scored report and a 90-day
roadmap. One per quarter, hard-capped. Alongside it: paid CTO advisory sessions, and a free
diagnostic call.

- Who it's for: pre-fundraise founders needing a credible technical story; founders unsure
  their stack and team still fit after growth; companies operating after a CTO departure.
- Not fintech-only. The five areas apply to any software company; the regulated end is simply
  where the background goes deepest. Work outside fintech spans mobility (invygo), dental and
  medical distribution (StemmerLife), healthtech (Kry) and retail (Decathlon Canada).

## Verified results

- Product activation lifted from 24% to 96% after a full application redesign (Togethrust)
- Infrastructure costs cut 90% by migrating an integration platform from MuleSoft to Apache
  Camel (StemmerLife, dental and medical distribution, France)
- Cloud infrastructure costs cut ~35% (crypto bank, Zurich)
- Delivery lead time cut 40%, from two weeks to three days (same client)

## Clients

BNP Paribas, Société Générale, Crédit Agricole, Desjardins, EDF, invygo, StemmerLife,
Decathlon Canada, Kry, Lightspeed.

## Community

Speaker at DDD Europe (Amsterdam) and Alpes Craft. 7 podcast appearances. Co-founder of
SOCRATES Canada; co-organizer of Software Crafters Montréal and Romandie Software Crafters.

## Links

- Site: https://ksouf.com
- 360° Tech Audit: https://ksouf.com/audit.html
- Speaking and podcasts: https://ksouf.com/talks.html
- LinkedIn: https://www.linkedin.com/in/khaledsouf
- GitHub: https://github.com/ksouf
- Togethrust: https://togethrust.com