About

We build serious AI, and we've run the businesses it serves.

Most AI shops come from one side. They know the technology or they know business, rarely both.

Inlumina was built from both. Our founder started as a management consultant at Ernst & Young, where the discipline was simple: understand how a business actually runs before you change anything. He then spent twenty years founding and running companies in real estate, lending, and fintech. A real estate and mortgage company. A FINRA-regulated broker-dealer. A capital markets platform where InterContinental Exchange, the company that owns the New York Stock Exchange, was the lead investor and an ICE-affiliated firm acquired the technology.

Then AI made it possible to build what used to take a team. So he built. Today that stack runs in production every day: valuation engines, multi-agent systems, automated content, secure pipelines. All of it designed and built by hand.

1995
Management consultant, Ernst & Young
2000
California real estate broker
2003
Founded EQ Partners, mortgage origination funds
Built the origination platform in-house
2008
Founded LTVtrade, capital markets platform
InterContinental Exchange lead investor, technology acquired by an ICE affiliate
2010–2015
President and CCO, FINRA broker-dealer
Sold to Funding Circle
2015
Founded Inlumina
Today
Building production AI daily at Inlumina and Homing

That's what you're hiring. Not a reseller of someone else's platform. People who have owned the P&L, sat in the compliance seat, and now build the systems themselves.

Dean DiCarlo, Founder of Inlumina
Founder

Dean DiCarlo

Ernst & Young management consultant. Founder of five companies across real estate, lending, and fintech. California real estate broker, former FINRA Series 24 principal. Builds production AI daily.

US · Vietnam
The Team

A small senior team.

US and Vietnam. Engineers and designers who have worked together for years. Big enough to ship real systems, small enough that the person who scoped your project is the person building it.

How we think

Diagnosis before the build.

Most AI projects fail because someone automated the wrong thing quickly. We find the right thing first.

You own everything.

Documented, version controlled, and yours. If we disappeared tomorrow, your team could pick it up and keep going.

Humans stay in control.

Nothing important happens without a person's approval. Speed with judgment beats full automation that embarrasses you.

We run our own stack.

The systems we sell run on our own product every day. You're never the test.

We'll tell you when AI is the wrong answer.

We'd rather talk you out of a project than oversell one.

Serious systems, made simple.

If your team needs a manual to run it, we're not done building it.

Start with a conversation.

Thirty minutes, free. You'll leave knowing more than when you walked in, whether you hire us or not.

Book a Free Consult