Identity checks, document handling, lead scoring, customer chat — built as deterministic workflows with a written data boundary, and shipped in days.
Tallinn-based. EU-focused. We still do what we always did: small digital products, discovered, built, and launched — clear enough to run yourself.
Most EU teams that need an AI feature don’t need an ML team. They need one integration built correctly, with the data path written down before anything ships.
Hiring an ML engineer to ship a single verification flow is the wrong shape of cost. The work is integration work: pick the provider, constrain it, wire it into the product you already have, and make the failure cases boring.
Processor agreements, EU data residency, and terms that exclude training on your inputs get settled before the first line of code — alongside professional secrecy duties where they apply. You keep the document that says what goes where.
The enterprise alternative is a six-figure quote on a quarterly cadence. Most teams need one workflow, working, this month — priced as a build rather than a retainer, and handed over so you’re not renting it back from us.
Fintech and payments
10–100 people · post-seed to Series A · PSD2 and KYC scope
Identity verification and AML screening embedded inside their own product, instead of the checks being rebuilt from scratch.
E-commerce and SaaS
5–50 people · fraud pressure and a rising support load
Fraud prevention and a customer-facing chatbot at plug-in level, with an API path left open for the logic that turns out to be specific to you.
Professional services
Law, accountancy, consulting · bound by professional secrecy
Client-facing workflows with deterministic outcomes and an audit trail that a regulator, or a partner, can follow after the fact.
Marketplaces
10–200 people · vendors onboarding continuously
KYC and KYB across several providers behind one interface, one bill, and the ability to switch provider without rewriting the onboarding flow.
A Chloe & Matt reference case. We built a GDPR-first email verifier that checks syntax, domain, MX records, the SMTP handshake, catch-all status, and role-address patterns, then bills only for decisive verdicts — valid, invalid, disposable. Catch-all and unknown results are free, and the false-positive rate is published and dated. Same shape of work, same data discipline, just pointed at ourselves first.
See how it’s built →We built the AI integration behind Pistiik’s identity-verification chatbot. Pistiik is an Estonian KYC/KYB/AML broker that needed a single interface to route each verification request to the right provider. We wired an AI routing layer into their chatbot and email flows so that a user’s check is sent to the provider that matches their geography and document type — KYC from €2.99, KYB from €14.99, pay-per-use with no annual subscription.
The result: Pistiik can offer instant verification to startups and fintechs without maintaining provider integrations in-house, and their team can switch or add providers without rewriting the customer-facing flow.
pistiik.com ↗Tell us the workflow, the data it touches, and the deadline. We’ll say whether it’s a two-week integration, a bigger job than you think, or a bad idea.
Describe the integrationAround the integration work, we still run the whole small-product loop: discover, build, market, sell. Each one starts from a real problem and stays small enough to explain in a sentence.
consulting & memos
A short discovery engagement: who has the problem, who will pay, what already exists, and whether the idea is worth building. You get a decision memo, not a roadmap.
Good fit: founders, CEOs, and operators with a use case but no certainty whether it is worth shipping.
small, clear builds
If discovery says yes, we build a bounded product — not a platform, not a miniature startup inside your company. Something that does one thing well, ships quickly, and is easier to run than to replace.
Good fit: small capabilities where simpler is better.
content & launch support
A product only matters if people ready to use it can find it. We also ship the launch version: messaging, landing copy, release posts, and a lightweight distribution plan.
Good fit: teams that want to stay tight and still do the launch half well.
We do not start with a full build. Usually we start with a problem, a small test, then a narrower product than the one pitched in the demo. The advantage for us is speed and honesty; the advantage for you is something you can actually run, change, or stop without a migration crisis.
The longer a product lives, the more we care about the boring parts: clarity of interface, quality of default behavior, and how simple the unexpected case looks when it appears at eleven in the evening.
If the demo is doing work the finished product will not do, we say so. Good software still needs intent to use it. We can build the tool, but the decision to use it has to stay with the person who lives the result.
No account managers. No bench of juniors learning on your project.
Message us like a teammate. Replies usually come in hours, not days.
We show you what we built and explain the decisions behind it, in plain language.
Half up front, half on delivery. For smaller jobs we’ll find something that suits.
Most integrations ship in days. You’ll see something working early.
Code, documentation, deployment notes. If we part ways, you’re not stranded.
If something will blow your budget, we say so. If there’s a simpler way, we suggest it. If you don’t need us, we say that too.
Chloe & Matt OÜ is a small software company in Tallinn, Estonia. Asep Bagja is our board member, who signs off on major decisions, provides direction, and sets the tone. He does not build, but he owns the outcome.
We are a two-person studio. Chloe handles strategy and growth; Matt handles engineering. We are Estonian. We are listed in the Estonian business registry (reg. 14305217). GDPR compliance is structural, not contractual.
We build with AI assistance — we use AI tools to write and review code faster, and we are transparent about that when it matters to a project. But you are working with people. A real person will answer your email, make your calls, and sign your contract.
Chloe & Matt OÜ is a registered Estonian company (reg. 14305217). Asep Bagja is our board member. We sign real contracts, invoice through the Estonian system, and you deal with the same people from day one. That is the whole relationship, and it is why we keep builds small.
It means we use AI to write and ship code faster, and we are up front about that. It does not change how we work: you get a real person on every call, written data boundaries in every integration, and code you can run yourself. We built one AI integration on our own first — the email verifier — so you can see how we handle data, compliance, and failure cases before we touch yours.
We are smaller by design. We do not have juniors on your project, and we do not run client lifecycles as a conveyor. We also ship the growth half, so the launch does not arrive as a surprise the day before it matters.
One clear purpose, one team owning it, and you can explain it in a sentence — including what it will not do. If you need a platform, we will say so.
Code, copy, documentation, and deployment notes are yours. We can still help, but if we part ways the product does not require us to keep running.
A short support window while adoption settles. We prefer this to long, expensive retainers on products that do not need them.
No. If the demo is doing work the product will not, we will tell you. If the simpler version makes more sense, we will suggest that. An honest “no” is a useful deliverable.
Describe the thing that’s eating your team’s week. We’ll tell you honestly whether we can help, roughly what it would cost, and whether it’s worth doing at all.