Engineer & founder.
Systems built from the metal up.

Fifteen years turning hard problems into software — distributed storage, core banking, and applied AI. One of the first engineers at a European neobank; now building something new in fintech.

Simon Klinkert
Berlin / NYC
01THE THROUGHLINE

One idea runs through everything I build: correctness you can prove at every layer — from the byte on disk to the balance on a statement.

  1. 0x002003 —

    The metal

    Started at eleven in C and assembler. Later, ZFS filesystem drivers on Solaris/Illumos — where every block is checksummed and integrity is not negotiable.

  2. 0x012020 —

    The ledger

    Built a core banking ledger and AML services from zero under BaFin supervision. Double-entry bookkeeping: every cent reconciles, or the system is wrong.

  3. 0x022026 —

    The frontier

    Now applying that same discipline to AI for wealth management — orchestration, retrieval, and agents where the output has to be trusted with real money.

02SELECTED WORK

Selected work

  1. 2026 —

    Building something new · Stealth · Fintech

    Founding engineering on a new financial product.

    stealth
  2. 2020 — 24

    Tech Lead — Consumer Banking, Payments & Core · Trade Republic

    One of the first engineers. Built the in-house ledger and AML from zero under BaFin, then current accounts, interest products, and SEPA & card payment rails.

    10M+ users
  3. 2025 —

    Co-founder · Leora Search

    Recruiter intelligence platform, sourcing and insight for the people who place people.

    co-founder
  4. 2023 —

    Founder · ArtiText

    AI writing tool that drafts researched, publish-ready articles from a single idea.

    solo founder
  5. 2019 — 24

    Founder · etf.capital

    Built and scaled a leading German-language ETF platform, solo, end to end.

    solo founder
  6. 2022 — 24

    Founder · Summarist AI

    LLM-powered book summaries, before it was a category.

    20M+ summaries
  7. 2014 — 20

    Senior Engineer · STRATO — HiDrive Cloud Storage

    Backend for cloud storage in Go and C; maintained ZFS drivers and migrated Telekom Magenta Cloud with minimal downtime.

    ZFS · Solaris/Illumos
03OPEN SOURCE

In the open

sklinkert / monelogicsOFL 1.1 · 9 weights

A neo-grotesque type family I drew and open-sourced — variable, roman and italic. You're reading it now.

View specimen →

I release the patterns I'd want to inherit. Alongside these, a decade of work most people never see the source of:

  • Core banking ledger & AML, built from zero under BaFin
  • ZFS driver work on Solaris/Illumos at multi-million-user scale
  • Products serving millions across Europe
04WRITING