Senior Software Engineer (Backend): Crypto Payments

BVNK; United States; Hybrid; USD 140,000 - 210,000; Full time

Benefits offered by this job

Competitive salary

Hybrid/Flexible hours

Culture and growth

Flexible holidays

Global offices

Open and creative environment

Job summary

BVNK is seeking a Senior Software Engineer (Backend) to join our Crypto Payments Orchestration team. You will design, build and scale high-throughput backend services that handle crypto pay-ins, pay-outs and cross-currency flows, while aligning with our AI-native approach.

You'll own services end to end, partner with Product and Compliance, and help modernise core systems with modular design. Applicants should have strong Java 17+ and Spring Boot experience, plus Kafka/SQS, relational DBs, AWS,

Qualifications

• Backend experience building production systems at scale.
• Strong proficiency in Java 17+ and Spring Boot; Kotlin a plus.
• Distributed systems with microservices and event-driven architectures.
• Relational databases like MySQL/PostgreSQL; Redis a plus.
• Cloud-native delivery with AWS, Docker and Kubernetes; CI/CD and observability.
• Payments/fintech experience with correctness and auditability.
• Strong testing mindset across unit/integration/contract tests.
• AI-native mindset and willingness to adopt AI coding tools.
• Ownership, clear communication, and fast delivery in a growth environment.
• Bonus: familiarity with digital assets, domain-driven design, or workflow engines.

Responsibilities

• Design, build and run high-throughput backend services for crypto pay-ins, pay-outs and transfers.
• Build and evolve clean, versioned APIs used by merchants and partners.
• Ensure reliability with idempotency, transactional outbox, retries and dead-letter handling.
• Improve performance and scalability in hot paths and service-to-service calls.
• Modernise core services with modular boundaries while keeping payments live.
• Design and build event-driven workflows with clear contracts between domains.
• Collaborate with Product, Compliance and Operations to deliver new capabilities.
• Own production services, monitor, on-call, incident response and root-cause analysis.
• Apply AI-native tooling and share learnings with the team.

Skills

Backend experience

Java 17+

Spring Boot

Kotlin

Kafka/SQS

Relational DBs

Redis

AWS

Docker

Kubernetes

CI/CD

Observability

Payments/fintech

Testing mindset

AI-native mindset

Ownership/communication

Digital assets (bonus)

Domain-driven design (bonus)

Workflow orchestration (bonus)

Tools

Kafka

SQS

Job description

About us:

BVNK is the stablecoin-powered financial stack for enterprises. We're now part of Mastercard, and together we're building a network for every form of money – one that delivers more reach, more capability and more choice.

We enable businesses to build financial products, unlock new markets, and move money in seconds across 130+ countries, with 40+ licenses for fiat and digital assets globally. Processing billions annually, we empower enterprises worldwide to send, receive, convert, and settle stablecoins and fiat seamlessly through a single integration.

Our mission is to accelerate global money movement, and we're assembling a world-class team to make it happen.

Trusted by industry leaders like Corpay, Worldpay, Deel, and Flywire, we deliver the infrastructure that makes new forms of money usable within the financial systems customers already rely on today.

By combining Mastercard's global payment reach and trusted networks with BVNK's stablecoin infrastructure, we're building the trusted operating layer for the evolution of money movement, helping customers participate in emerging digital networks without having to rebuild their businesses around every new innovation.

We're a diverse team spread across EMEA, North America, and APAC, with a shared belief that stablecoins are the new infrastructure layer for financial services, and that BVNK is at the forefront of this shift.

We're incredibly honored to have been recognized by:

• CNBC World's Top Fintech Companies (2026)
• FXC Intelligence Top 100 Cross-border Payment Companies (2026)
• Newsweek's The Top 100 Global Most Loved Workplaces (three years running, most recently 2025)
• LinkedIn as one of the Top 20 Startups in the UK (2025)

Location

We offer a Hybrid/Remote working policy.

FUNCTION

Engineering

We're looking for a Senior Software Engineer (Backend) to join our Crypto Payments Orchestration team.

Crypto Payments Orchestration is at the heart of BVNK. The team owns the layer that makes crypto and stablecoin payments behave like simple, programmable money movement. That covers creating and executing crypto pay-ins and pay-outs, reusable payment channels and payment links, and cross-currency flows between fiat and stablecoins (on-ramp and off-ramp). It also covers rule-based automation such as scheduled sweeps and payouts, and real-time payment status updates to merchants and partners. We decide when and how payments, transfers and conversions happen, and we work closely with the teams that own wallets, ledger, trading, compliance and fiat connectivity.

You'll work in a small, autonomous team that owns its services end to end, from design through to running them in production. You'll help us scale a business-critical payments platform. That means making our systems more resilient and performant, evolving our core services towards cleaner, modular boundaries, and building the next generation of our unified payments APIs. We see AI as a key lever in how we engineer, and we expect you to use it to move faster without compromising the correctness that money movement demands.

Key Areas of Responsibilities

• Payment orchestration: Design, build and run high-throughput backend services that orchestrate crypto pay-ins, pay-outs, conversions and transfers across many assets and blockchain networks.
• API design: Build and evolve clean, versioned, well-documented public and internal APIs that merchants and partners use to accept, convert and send money.
• Reliability and correctness: Make sure every payment is processed exactly as intended. Use proven patterns such as idempotency, transactional outbox, retries and dead-letter handling so financial events are never lost or duplicated.
• Performance and scalability: Find and fix bottlenecks in hot paths, database access and service-to-service calls, so the platform scales with fast-growing payment volumes.
• Platform evolution: Help modernise our core services by breaking up legacy components into clear, modular, domain-aligned boundaries, while keeping a live payments platform running safely.
• Event-driven architecture: Design and build asynchronous, event-driven workflows with clear contracts between our services and other domains.
• Cross-team collaboration: Work closely with Product, other engineering teams, Compliance and Operations to deliver new payment capabilities, assets and networks end to end.
• Operational excellence: Own your services in production. Monitor, alert, take part in on-call, and lead incident response and root cause analysis that leaves our systems stronger.
• AI-native engineering and mentorship: Use AI coding tools and agentic workflows in your day-to-day work, share what works with the team, and mentor other engineers through code reviews, pairing and technical design.

What we need from you

• Backend experience: Solid professional experience as a backend engineer, building and running production systems at scale.
• Technical core: Strong proficiency in Java (ideally Java 17+) and Spring Boot. Experience with Kotlin is a plus.
• Distributed systems: Hands-on experience with microservices and event-driven architectures using message brokers such as Kafka or SQS, including patterns like transactional outbox, idempotency and eventual consistency.
• Data and persistence: Strong experience with relational databases such as MySQL or PostgreSQL, including schema design, indexing, query tuning and safe migrations. Experience with caching (e.g. Redis) is a plus.
• Cloud-native delivery: Experience with AWS, Docker and Kubernetes, CI/CD pipelines and modern observability tools for metrics, tracing and logging.
• Payments or fintech: Experience building payment, banking or other financial systems where correctness, auditability and reliability really matter.
• Engineering quality: A strong testing mindset across unit, integration and contract tests, and a passion for clean, maintainable, well-designed code.
• AI-native mindset: You're an early adopter of AI coding tools and agentic workflows, and you use them to design, build and test solutions, not just to write snippets.
• Ownership and communication: You take ownership from idea to production, communicate clearly with technical and non-technical colleagues, and move fast in a fast-growing environment.
• Bonus: Digital assets: Experience with stablecoins, blockchain networks, crypto wallets or crypto payment processing.
• Bonus: Domain-driven design: Experience applying domain-driven design, modular architecture or large-scale refactoring of legacy services.
• Bonus: Workflow orchestration: Experience with workflow engines such as Temporal, or with building rule engines and scheduling systems.
• Open to participating in an out-of-hours on-call rota

What you can expect from us

• Fair and competitive salary at every stage of your growth
• Flexible working hours, with hybrid working at its heart
• A culture built on passionate, growth-minded people
• A flexible approach to holiday
• Opportunities to travel to our offices around the world
• An open and creative environment where you can help us define the future of BVNK, its culture, and its opportunity sets.

At BVNK, we are focused on building a diverse and inclusive team. While you may not meet all of our requirements, we’d encourage you to apply if you meet the majority of our expectations. You may be a great fit for this role or another role in our team.

Compensation packages are based on candidate experience and relevant certifications.

Bulgaria Salary Range

€70.000—€110.000 EUR

Compensation packages are based on candidate experience and relevant certifications.

Spain Salary Range

€85.000—€110.000 EUR

Compensation packages are based on candidate experience and relevant certifications.

Poland Salary Range

250 000 zł—480 000 zł PLN