Blockchain Researcher

Finbot Limited; Hong Kong; On-site; HKD 223,000 - 279,000; Full time

Job summary

Finbot Limited is seeking a Blockchain Researcher in Hong Kong to develop a tokenisation platform for insurance premium financing as part of a 3-year ITF-funded R&D project. You will explore tokenisation models, design smart contracts, and build interfaces with insurance, payment, and accounting systems.

The role requires strong blockchain knowledge, API and wallet integration skills, and experience in financial services.

Qualifications

• Bachelor’s or Master’s degree in CS, FinTech, Finance or IS.
• Strong understanding of blockchain, distributed ledger tech, and smart contracts.
• Knowledge of token standards, APIs, wallet integration, and smart-contract security.
• Experience in insurance, lending, premium financing or financial services is a plus.
• Strong analytical, problem-solving, and documentation skills.
• Hong Kong permanent resident or valid work visa for HK.

Responsibilities

• Research tokenisation models for premium financing agreements and related cash-flow rights.
• Design smart contracts for token issuance, premium payment, repayment schedules, interest calculation, and redemption.
• Develop APIs to integrate blockchain workflows with insurance, payment, and accounting systems.
• Implement privacy, access-control, audit-trail, and transaction-monitoring mechanisms.
• Build prototypes and test cases covering cancellations, early repayment, missed payments, refinancing, and exceptions.
• Evaluate alternative blockchain architectures, token standards, and settlement mechanisms.
• Document research findings, technical specifications, risks, limitations and test results.
• Present prototypes and findings to management and business stakeholders.

Skills

Blockchain basics

Smart contracts

Token standards

APIs integration

Documentation

Education

CS/FinTech degree

Tools

APIs

Wallet integration

Smart-contract security

Job description

We are seeking a Blockchain Researcher to develop a tokenisation platform for insurance premium financing. The project will use distributed ledger technology and smart contracts to digitise financing agreements, automate premium disbursement and repayment, and improve transaction transparency and reconciliation. It is a new 3-year R&D project, funded under the Innovation and Technology Fund (ITF) Research Talent Hub (RTH-SPC).

Key Responsibilities

• Research tokenisation models for premium financing agreements and related cash-flow rights.
• Design smart contracts for token issuance, premium payment, repayment schedules, interest calculation, and redemption.
• Develop APIs to integrate blockchain workflows with insurance, payment, and accounting systems.
• Implement privacy, access-control, audit-trail, and transaction-monitoring mechanisms.
• Build prototypes and test cases covering cancellations, early repayment, missed payments, refinancing, and exceptions.
• Evaluate alternative blockchain architectures, token standards, and settlement mechanisms.
• Document research findings, technical specifications, risks, limitations, and test results.
• Present prototypes and findings to management and business stakeholders.

Requirements

• Bachelor’s or Master’s degree in Computer Science, Financial Technology, Finance, Information Systems, or a related discipline.
• Understanding of blockchain, digital assets, distributed ledger technology, and smart contracts.
• Knowledge of token standards, APIs, wallet integration, and smart-contract security.
• Experience in insurance, lending, premium financing, or financial services is an advantage.
• Strong analytical, problem-solving, and documentation skills.
• Hong Kong permanent resident or holder of a valid visa permitting full-time employment in Hong Kong.

Engagement Terms

• Position: Blockchain Research Engineer (Tokenisation of Insurance Premium Financing)
• Salary: HK$20,000 - 25,000 per month
• Work Mode: Full-time