Cosmic Associates · Melbourne, Australia
We frame the problem, design the system, and ship the product: multi-agent apps, LLM assistants with real guardrails, and payment platforms that have to be right every time.
That work rests on more than 15 years of enterprise delivery, most of it in payments and workflow automation for major banks and card networks.
admin@cosmic9.com · Melbourne, Australia
Featured
What we're building, and what we're learning along the way.
Apps
AI agents
A council of AI agents that pressure-tests an idea (market, risk, pricing, build plan) before you spend a dollar building it.
Coming soon
AppLivePayments · Small business
Card fee audits for Australian small businesses. Surcharging ends 1 October 2026, so FeeLens reads your merchant statements, finds what you really pay, and shows how to cut or price it in.
Open app ↗
AppLiveTravel · AI assistant
An AI road-trip planner for Australia, with live EV charging stops, weather along the route, and hands-free voice navigation.
Open app ↗
AppLiveFintech · Gifting
Gift certificates that grow: give someone a fractional share of a stock or ETF, with AI suggesting a fitting asset for the occasion.
Open app ↗
AppLiveSmall business · PWA
Run a referral program end to end: generate codes, send them by WhatsApp, SMS, or email, redeem rewards, and track results.
Open app ↗Education · PWA
Tuition management for teachers, parents, and students: schedules, payments, absences and makeup classes, tests, and homework in one app.
Coming soonResearch
A practical map of modern payment technology stacks: orchestration, gateways, risk controls, reconciliation, and observability.
How to design payment systems that respect both global messaging standards and country-specific domestic rails.
Where blockchain-based settlement and AI copilots are genuinely useful in next-generation payment operations.
Services
Four practices, one team. Most engagements draw on more than one.
From a rough idea to a deployed, AI-native product: problem framing, system design, agent architecture, and a working app in production.
See it in: Brain2Build · Waypoint AI · Sprout
An independent read on a platform, vendor, or build plan, with clear findings on risk, fit, and what to do next, written for decision-makers.
See it in: FeeLens
Payments work that goes all the way through to settlement and reconciliation, drawn from programs at major Australian banks and global card networks.
Enterprise workflow on Pega, Appian, and PowerApps, now faster with AI-assisted delivery, plus the governance that keeps it maintainable.
See it in: Synapse Referrals · Athena
Training
Practical, hands-on programs taught by people who deliver this work.
Business analysts, product owners, delivery leads
Quoted per team
4 sessionsEngineers and technical leads
Quoted per team
8-week cohortNew and practising Pega developers
From AUD 349
1-day intensiveAnalysts, testers, and engineers new to payments
Quoted per cohort
Pricing
Scope, cost, and deliverables are agreed in writing before any work starts.
Discovery call
Free
30 minutes
Talk through the problem, what you've tried, and whether we're the right fit. No obligation.
Assessment
Fixed fee
2–3 weeks
A written, decision-ready assessment of an architecture, platform, vendor, or AI product idea.
Build sprint
Fixed scope
4–8 weeks
Design and ship a working AI product or automation, scoped and priced in writing before work starts.
Advisory retainer
Monthly
ongoing
A senior architect on call for design reviews, vendor decisions, and delivery governance.
Get in touch
Have a project, an assessment, or a team to train? The contact agent asks a few quick questions and drafts a clear message that you send from your own email.
Or email admin@cosmic9.com
Nothing is sent or stored until you press send in your own email app. Prefer to write directly? admin@cosmic9.com