Michael Lo

AI Product Consultant & Fractional Lead · Ex-PayPal

Turning AI prototypes into launch-ready products for real users and regulators

Founder of Duskglow, an AI journaling companion in live beta. Built solo over six months: product, safety design, encryption, and compliance work for the California, New York and Washington AI companion laws. Developed with AI coding agents under a written approval and review process.

Previously nine years at PayPal. Product Manager for the internal onboarding tool, built from scratch with a team of four; IT and support load down 30% over five years. Senior Manager for the global onboarding program across HR, IT, security and workplace teams: support tickets down 50%+, manual tasks down 25%.

Engagements

  • 0-to-1 AI product builds: product definition, architecture, delivery
  • AI launch readiness: crisis handling, guardrails, adversarial testing
  • AI regulation translated into product requirements
  • AI coding-agent workflows with approval and review controls
  • Model selection and LLM cost management
  • AI automation for internal operations: support, onboarding, HR

Available for fractional and advisory work.

Case Studies

AI Agent Workflow

What I Let the AI Agent Touch

One founder and an AI coding agent shipping a regulated AI app, with the controls built into what the agent can touch.

  • Four permission tiers, sorted by reversibility
  • Read-only database access for the agent
  • Checks triggered by claim type, not confidence
10 min readRead case study →

AI Companion UX

Designing Luna

Designing a bedtime AI companion required solving a tension most AI products ignore: how to be emotionally present without becoming emotionally necessary.

  • Three-tone personality framework
  • Five-iteration system prompt architecture
  • Emotional dependency guardrails
14 min readRead case study →

Safety Architecture

Proving Luna Is Safe

The safety infrastructure required more engineering than the AI behavior itself, and a testing philosophy that treats false positives as correct behavior.

  • OWASP-mapped 11-layer security pipeline
  • 100+ case adversarial suite
  • Crisis detection that bypasses the LLM
16 min readRead case study →

Privacy & Compliance

Compliance Work for Three AI Companion Laws

Three state AI companion laws, read from the enacted text instead of the summaries, turned into eleven requirements and shipped in a week. No page claims a compliance status.

  • Three statutes read from the text; a dead bill found quoted as law
  • Eleven requirements with basis, status, gap, owner and effort
  • A referral count that survives deletion and leaves out test runs
12 min readRead case study →

Encryption Architecture

Encrypting an AI Journal, and Deciding What Stays Readable

Entries encrypted on the phone, for a journal whose AI companion still has to remember. Six months of key custody, an irreversible migration, recovery, and a named list of what stays readable.

  • The key in the user's own Google Drive; a fingerprint, not the key, in the database
  • Every existing journal encrypted in one release with no rollback, behind a backup
  • Two public claims corrected where the sentence outran the mechanism
11 min readRead case study →

The Product

Duskglow

Nightly Gratitude Journaling with Luna

A mobile-first PWA for nightly gratitude journaling, powered by an AI companion named Luna. Built solo from architecture to deployment: React, Supabase, Gemini 3.5 Flash-Lite, and a multi-layer safety pipeline.

Duskglow home screen showing streak tracking and a prompt to begin tonight's reflectionA conversation with Luna guiding a nightly gratitude journal entry

Start Here

Journal

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