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    <title>Luka Horvat — Blog</title>
    <link>https://lukahorvat.dev/blog</link>
    <description>Essays on architecture, product execution, AI systems, and the mechanics of shipping useful software.</description>
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      <title>Fractional CTO vs Dev Agency vs First Engineering Hire</title>
      <link>https://lukahorvat.dev/blog/fractional-cto-vs-agency-vs-first-hire</link>
      <guid>https://lukahorvat.dev/blog/fractional-cto-vs-agency-vs-first-hire</guid>
      <pubDate>Fri, 03 Jul 2026 00:00:00 GMT</pubDate>
      <description>Three ways to buy technical capability, compared on the four questions that matter: cost, incentives, accountability, and what&apos;s left when they walk out the door.</description>
      <category>leadership</category>
      <category>strategy</category>
      <category>startups</category>
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    <item>
      <title>From Zero to 8-figure ARR in Two Years on a Boring Stack</title>
      <link>https://lukahorvat.dev/blog/zero-to-8-figure-arr-boring-stack</link>
      <guid>https://lukahorvat.dev/blog/zero-to-8-figure-arr-boring-stack</guid>
      <pubDate>Fri, 19 Jun 2026 00:00:00 GMT</pubDate>
      <description>How a DTC wellness brand scaled past 8 figures ARR in under two years on Shopify, Recharge, server-side GTM, and a Fivetran→RDS→Metabase pipeline — and why every &apos;boring&apos; choice was a business decision.</description>
      <category>architecture</category>
      <category>e-commerce</category>
      <category>case study</category>
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    <item>
      <title>When Does Your Startup Actually Need a CTO? (And When It Doesn&apos;t)</title>
      <link>https://lukahorvat.dev/blog/when-does-your-startup-need-a-cto</link>
      <guid>https://lukahorvat.dev/blog/when-does-your-startup-need-a-cto</guid>
      <pubDate>Fri, 05 Jun 2026 00:00:00 GMT</pubDate>
      <description>Most startups hire a CTO too early or too late. A decision framework by stage — and what to do when the honest answer is &apos;not yet&apos;.</description>
      <category>leadership</category>
      <category>strategy</category>
      <category>startups</category>
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    <item>
      <title>Full-Stack in the AI Era: The End-to-End Engineer</title>
      <link>https://lukahorvat.dev/blog/full-stack-ai-end-to-end-engineer</link>
      <guid>https://lukahorvat.dev/blog/full-stack-ai-end-to-end-engineer</guid>
      <pubDate>Mon, 24 Nov 2025 00:00:00 GMT</pubDate>
      <description>Coding is being commoditized; the scarce edge is end-to-end engineering judgment across systems, business context, and execution.</description>
      <category>ai</category>
      <category>engineering</category>
      <category>architecture</category>
    </item>
    <item>
      <title>Shopify payments in EU - TradFi vs DeFi setup</title>
      <link>https://lukahorvat.dev/blog/shopify-payments-eu-defi-tradfi</link>
      <guid>https://lukahorvat.dev/blog/shopify-payments-eu-defi-tradfi</guid>
      <pubDate>Thu, 14 Nov 2024 00:00:00 GMT</pubDate>
      <description>A real EU Shopify setup case study: DeFi checkout took under an hour, while traditional card rails took 27 days and materially higher fees.</description>
      <category>Payments</category>
      <category>Shopify</category>
    </item>
    <item>
      <title>The Art of Hunt</title>
      <link>https://lukahorvat.dev/blog/the-art-of-hunt</link>
      <guid>https://lukahorvat.dev/blog/the-art-of-hunt</guid>
      <pubDate>Sun, 31 Jan 2021 00:00:00 GMT</pubDate>
      <description>Four hunting strategies as a metaphor for choosing execution models in business and product environments.</description>
      <category>strategy</category>
      <category>business</category>
      <category>execution</category>
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    <item>
      <title>Speed vs Velocity in Software Engineering</title>
      <link>https://lukahorvat.dev/blog/speed-vs-velocity-software-engineering</link>
      <guid>https://lukahorvat.dev/blog/speed-vs-velocity-software-engineering</guid>
      <pubDate>Fri, 04 Dec 2020 00:00:00 GMT</pubDate>
      <description>Speed without direction burns time; velocity in software engineering is what converts motion into durable product progress.</description>
      <category>engineering</category>
      <category>delivery</category>
      <category>leadership</category>
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