Payments Engineer

The Better Money Company; New York (NY); On-site; USD 120,000 - 160,000; Full time

Benefits offered by this job

Medical, dental, vision

Unlimited PTO

Periodic off-sites

Job summary

The Better Money Company is building a stablecoin clearinghouse—the infrastructure that lets stablecoins move like money. The Payments Engineer designs and builds the fiat-and-stablecoin clearing system end to end, including ledgering, reconciliation, and the bank integrations the rest of the product depends on.

You will own reliability, scale, and auditability in money movement, partner integrations, and core product functionality, with a focus on fast shipping and correctness across fintech

Qualifications

• 3+ years building payment systems or financial infrastructure.
• Experience scaling a payment system from 0→1 (and ideally 1→10).
• Strong understanding of fiat rails (ACH, wires, RTP) and ledgering/reconciliation/auditing.

Responsibilities

• Design, build, and scale components of the money-movement/clearing system.
• Build integrations with banks, issuers, custodians, and partners across diverse APIs.
• Own ledgering, reconciliation, and auditability to keep balances provably correct.

Skills

Payment systems

Financial infrastructure

Bank integrations

Distributed systems

Bonus: blockchain familiarity

Job description

About The Better Money Company

The Better Money Company (TBMC) is building a stablecoin clearinghouse — the infrastructure layer that lets stablecoins move like money rather than a trading asset. The clearinghouse gives fintechs, neobanks, banks, and payments companies 1:1 at-par swaps across chains and issuers, with guaranteed settlement times, fixed fees, and a compliant source of funds. They already support 8 of the top 10 issuance platforms and move real money for customers today.

Backed by $10M from a16z Crypto, plus BoxGroup, Sunflower Capital, and leading fintech angels. Design partners include Ramp and Modern Treasury. A small, deliberately tight NYC team — they shipped money movement within six months of starting and optimise for autonomy, ownership, and pace over headcount.

About the Role

The clearinghouse lives or dies on correct, resilient money movement. The Payments Engineer designs and builds the fiat-and-stablecoin clearing system end to end — ledgering, reconciliation, and the integrations into banks, issuers, and custodians the rest of the product depends on.

Key Responsibilities

• Design, build, and scale components of the money-movement / clearing system
• Build integrations with banks, stablecoin issuers, custodians, and partners — often across aging, fragmented APIs
• Own ledgering, reconciliation, and auditability so balances are always provably correct
• Build core product functionality that enables better stablecoin payments for customers
• Weigh in on broader architecture and bring insights the team doesn't yet have

Requirements

• 3+ years building deeply with payment systems, financial infrastructure, and/or banking integrations
• Has scaled a payment system 0→1 (ideally also 1→10)
• Deep understanding of fiat payment rails (ACH, wires, RTP) plus ledgering, reconciliation, and auditing
• Strong distributed-systems fundamentals — ships fast without sacrificing correctness or scale

Bonus Skills

• Stablecoin / blockchain familiarity (teachable; not required)
• Resilient integrations across legacy / fragmented financial APIs

Benefits

• Medical, dental, vision
• Unlimited PTO
• Periodic off-sites