Fractional CTO for AI-Agent Systems, Digital Identity & Payments

Lance Ennen is a technology founder and fractional CTO specializing in AI-agent systems, digital identity, and payments infrastructure. He takes a small number of fractional CTO engagements and builds identity and financial infrastructure APIs at ByEnnen LLC.

Lance is based in Naples, Florida and works out of Miami — Brickell is a frequent meeting point for startup consultations. Engagements outside South Florida run remotely.

Lance founded ByEnnen LLC, co-founded the digital identity company Cerebrum (serving as CTO until 2023), wrote the first line of code at Factor75 (later acquired by HelloFresh for $277M), and was an early engineer at Raise and Obtiva, acquired by Groupon in 2011. With the acquisition of CredZK, Lance joined Byzantine Solidus Inc. as Co-Founder, Product & Technology of Permara. He works with startups and large enterprises.

Yes — a small number at a time, focused on startups building AI-agent, digital identity, and payments products. Engagements typically run one to two days a week and start with a discovery call.

ByEnnen LLC is Lance's company, building identity and financial infrastructure APIs including 7N7D and IDSentric. It is also his AI-native development practice, where autonomous coding agents work alongside humans.