Ignacio
Montoya
I build systems where capital, risk and execution converge.
Algorithmic trading. Financial infrastructure. Digital systems that operate in real markets.
Not theory. Not prototypes. Systems that hold positions, execute orders, and enforce risk while the market is open.
Work with me
Capital moves.
Risk enforces.
Execution lands.
What I Build
Four systems. One architectural discipline.
Trading Systems
Market data in. Orders out. State consistent. Risk enforced as a layer, not a checkbox. Built for latency where it pays, for reliability where it has to.
Read more →Financial Infrastructure
The backend that moves capital without losing it. Settlement, custody, reconciliation, audit trail. Idempotent by default. Reversal risk isolated.
Read more →Execution Layers
Multi-venue routing. Unified state. On-chain and off-chain settlement. Smart order routing that respects liquidity, fees, and venue failure modes.
Read more →Tokenized Systems
Assets and access as programmable tokens. Transfer rules that hold under adversarial conditions. On-chain state, off-chain policy, clean separation.
Read more →Failure & reality
Systems don't fail in theory.
They fail under load, latency, and inconsistent state.
Most of my work starts where things already break:
- Execution mismatches
- Inconsistent positions
- Unreliable data flows
That's where systems actually matter.
Selected work
Multi-exchange trading system
- Unified execution layer across 5 exchanges
- Real-time position tracking
- Risk management integrated
Data pipeline for financial signals
- Ingestion, processing, and execution loop
- Latency-aware architecture
Tokenized asset system
- Wallet + execution + settlement logic
- Hybrid web2 / web3 design
How I think
I design systems around:
- Execution first
- Risk as a core layer
- Failure as expected behavior
- Consistency across distributed systems
Definitions
Trading system
A trading system is an architecture that connects market data, signal generation, execution, and risk management into a continuous loop.
Financial infrastructure
Financial infrastructure is the backend layer that moves capital safely between systems, users, and counterparties — with correctness guaranteed under partial failure.
Execution layer
The component responsible for translating signals into real market actions.
Risk layer
A system that monitors and controls exposure, not just limits losses.
System consistency
The ability to maintain a correct state across distributed components.
Fit
Build with me
- Trading firms scaling execution across venues
- Funds with infrastructure debt they can no longer ignore
- Crypto teams moving real capital and getting hurt by it
- Fintechs where the backend is the product
- Operators who already know the failure they're trying to prevent
Don't email me if
- You have an idea and need a technical co-founder
- Your project doesn't touch capital, risk, or execution
- You're looking for a developer to execute your spec
- You think €25k is expensive for architecture
- You need a pitch deck before you need a system
Pricing
Typical engagements: €25k – €150k+
Architecture reviews start at €25k. Full systems builds run €75k to €150k+. Technical partnership is a monthly retainer sized to the work.
If that number surprises you, we're not a fit.
Engagements are fixed-scope or retainer. No hourly rates. VAT not included.
Engagement modelContact
I work with a limited number of projects.
If your system involves capital, execution, or real-world constraints — we should talk.
One email. The system, the problem, the stakes. I read everything. I reply when there's a fit.
Ignacio Montoya is a systems architect specializing in algorithmic trading infrastructure, financial systems, and digital asset platforms. He builds systems where capital, risk and execution converge — for trading firms, funds, and operators where architecture carries financial weight. Typical engagements: €25k – €150k+.