Chief Technology Officer (CTO) - Payments / PayFi / Stablecoin

betterpaymentnetwork; Singapore; On-site; SGD 320,000 - 420,000; Full time

Job summary

Better Payment Network is building a stablecoin-enabled cross-border payments network connecting banks, payment rails and liquidity across emerging markets. The CTO will lead real-time, scalable infrastructure for multi-currency settlement, FX and risk controls, driving architectural standards and a strong engineering culture.

The role requires hands-on leadership, experience operating financial infrastructure at scale, and a track record shipping and operating systems beyond design.

Qualifications

• 10+ years building financial technology with leadership experience.
• Breadth across payments, treasury, FX and settlement.
• Experience scaling infrastructure for cross-border payments across multiple regions.

Responsibilities

• Lead engineering organisation and establish architecture standards.
• Build scalable cross-border payments, treasury and settlement platforms.
• Ensure institutional-grade reliability, controls and governance around money movement.
• Recruit and develop a high-calibre engineering team across core payments, ledger, treasury and platform infra.

Skills

Leadership

Financial systems

Payments domain

Cross-border settlement

Treasury management

Reliability engineering

Regulatory & risk

Tools

Blockchain

Stablecoins

Job description

Better Payment Network (BPN), Incubated through Binance Yzilabs, is a next-generation stablecoin settlement network designed to power cross-border payments in emerging markets.

https://www.bpn.finance/

BPN connects local fiat rails, stablecoins, OTC desks, centralized exchanges (CEX), and decentralized liquidity (DEX) to enable efficient currency conversion and settlement for merchants operating across Africa, Latin America, and Asia.

Our mission is to build the liquidity infrastructure behind global stablecoin payments.

Role Overview

BPN is building a stablecoin-native cross-border financial network connecting financial institutions, payment companies and local payment rails across emerging markets.

As BPN scales, the core technology challenge is no longer simply processing payments. It is orchestrating how money moves across institutions, currencies and markets — safely, efficiently and in real time.

We are looking for a CTO who has built and operated financial infrastructure at scale, understands how payment, FX, treasury and settlement systems work in the real world, and has led strong engineering teams through multiple stages of growth.

This is a hands-on leadership role. We are looking for someone who has built, shipped, scaled and operated, not only designed architecture.

Key Responsibilities

1. Build BPN’s network infrastructure

Turn BPN’s operating model into scalable technology across:

• multi-currency accounts and ledger
• payment routing and orchestration
• FX execution and liquidity routing
• treasury and cross-market fund allocation
• clearing and settlement
• prefunding and liquidity management
• risk / AML information exchange across network participants
• stablecoin and blockchain settlement infrastructure

The goal is to make increasingly complex movement of money programmable, observable and controllable at network level.

2. Build the treasury & settlement engine

Work closely with the CEO and CFO to encode the rules governing how liquidity moves across BPN.

As BPN combines B2B flows with complementary retail and institutional flows, the platform should be able to:

Technology should ultimately allow BPN to minimize external FX execution, reduce prefunding requirements and improve capital efficiency as network density increases.

3. Own reliability and financial controls

Build institutional-grade controls around every movement of money:

The CTO owns not only whether the system is available, but whether every dollar can be accounted for throughout its lifecycle.

4. Build and lead the engineering organization

Recruit and develop a high-calibre engineering team across core payments, ledger, treasury, blockchain and platform infrastructure.

Establish architecture, engineering standards and ownership structures that allow BPN to scale from today’s network into significantly larger transaction volumes without scaling operational complexity proportionally.

Who We’re Looking For

• The ideal candidate has 10+ years building financial technology, with meaningful engineering leadership experience.
• Most importantly, we value breadth across the movement of money. Strong candidates will have worked across several parts of the financial stack:
• Experience building payments across emerging markets — particularly LATAM, Southeast Asia, Africa or Greater China — is highly valuable.
• Experience with stablecoins or blockchain is useful, but not mandatory. We would rather hire someone who deeply understands how money moves through the traditional financial system and can rethink that architecture using stablecoins than someone whose experience is exclusively crypto-native.

What Great Looks Like

• You have seen money move end-to-end.
• You understand what happens from the moment a customer pays, through acquiring, ledgering, FX, treasury and settlement, until funds arrive in the beneficiary’s bank account.
• You have also experienced the operational failures, reconciliation breaks, liquidity constraints and edge cases that appear when these systems operate at scale.