Senior Software Engineer, Fiat Payments & Banking Infrastructure

CryptoproNetwork; United States; On-site; USD 150,000 - 210,000; Full time

Benefits offered by this job

Healthcare Insurance

Vision & Dental Insurance

Chance to earn equity

Maternity & Paternity leave

WeWork All Access Membership

WFH Yearly Stipend

L&D Yearly Stipend

Job summary

zerohash is seeking a Senior+ Software Engineer to architect and build fiat payment rails, scaling our gateway for Finance 2.0. You will lead the design and hands-on development of our global financial infrastructure, shaping secure, resilient systems at scale.

Responsibilities include API integrations with banking partners, treasury management, and internal tooling to support reconciliation, alerts, and regulatory reporting.

Qualifications

• 7+ years of software engineering experience in Payments/FinTech/BaaS infrastructure.
• Deep proficiency with Golang in production.
• Extensive understanding of fiat networks (ACH, RTP, FedNow, SEPA, SWIFT).
• Strong SQL and complex database schema design for high-throughput, ACID-compliant financial ledgers.
• Hands-on experience integrating bank APIs and third-party processors.
• Resourceful, hands-on problem-solver with 0 to 1 mindset.
• Excellent problem-solving and communication skills.

Responsibilities

• Lead architectural design and hands-on development of fiat rails (ACH, RTP, FedNow, Request for Pay, SEPA).
• Architect, implement, and scale API integrations with banking partners.
• Design and build treasury management software for internal operations and liquidity transfers.
• Develop internal tooling for reconciliation, alerts, and compliance reporting.
• Contribute to event-driven microservices architecture in a production environment.
• Develop microservices, primarily using Golang.
• Collaborate with platform engineers to scale services and infrastructure.
• Respond to production issues and ensure high availability of payment gateways.
• Communicate with banking partners and client teams to resolve complex integrations.

Skills

Golang

Payments/FinTech

API Integrations

Distributed Systems

Database design

Team Leadership

Education

Bachelor's in Computer Science or equivalent

Tools

Kafka

ZeroMQ

NATS

Job description

About the Job

zerohash is looking for a Senior+ Software Engineer to architect and build our fiat payment systems, scaling our gateway to Finance 2.0. We are a high-performing team looking for an equally ambitious and driven teammate. The right candidate for this position is detail-oriented, deeply technical, and driven by the challenges of complex financial systems. You are eager to build secure, resilient, and highly scalable banking infrastructure. If you are looking to have a massive impact in a high-growth startup bridging the gap between traditional finance and digital assets, you will find this role uniquely challenging and rewarding.

Role Objectives & Focus

This senior-level role focuses intensely on the backbone of our financial infrastructure:

• Fiat Payments: Building and maintaining robust fiat rails such as ACH, RTP, FedNow, RFP in the US, and SEPA in Europe.
• Banking Infrastructure: Direct API integrations with top-tier banking partners.
• Treasury Management: Developing sophisticated software to autonomously manage and reconcile balances across banking networks.
• Operational Tooling: Creating internal tooling to streamline financial operations and scale our capacity to handle millions of transactions securely.

Responsibilities

• Lead the architectural design and hands-on development of our global fiat payment rails (ACH, RTP, FedNow, Request for Pay, and SEPA).
• Architect, implement, and scale seamless API integrations into our banking partners' systems.
• Design and build robust treasury management software for internal operations, allowing programmatic liquidity management and automated balance transfers between partner banks.
• Develop robust internal operational tooling to support reconciliation, automated alerts, financial operations, and compliance reporting.
• Support the company's vital business by contributing to the design and development of software in an event-driven microservices environment.
• Develop microservices, primarily utilizing Golang.
• Work closely with platform engineers to set up new services and scale existing infrastructure.
• Respond to production issues and alerts, ensuring high availability of our payment gateways.
• When necessary, communicate directly with banking partners and client technical teams to resolve complex integration issues.

Requirements

• 7+ years of software engineering experience, specifically focused on Payments, FinTech, or Banking-as-a-Service (BaaS) infrastructure.
• Deep proficiency with Golang in a production environment.
• Extensive understanding of traditional fiat networks and clearing systems (e.g., ACH, RTP, FedNow, SEPA, Swift).
• Strong expertise in SQL and complex database schema design for high-throughput, ACID-compliant financial ledgers.
• Hands-on experience developing, integrating, and maintaining resilient connections with bank APIs and third-party payment processors.
• A humble and scrappy get-it-done mindset; you're resourceful and in your element going from 0 to 1.
• Excellent problem-solving skills; you can systematically troubleshoot complex distributed systems.
• Comfort with ambiguity; the ability to independently lay out and test clear hypotheses, and solve architectural problems without well-defined direction.
• Excellent verbal and written communication skills.

Preferred Qualifications

• Bachelors in Computer Science or equivalent experience.
• Experience at a banking-as-a-service, brokerage-as-a-service, or payment-as-a-service business.
• Proven track record of building treasury management or automated ledgering systems from scratch.
• Experience with digital assets and crypto infrastructure.
• Experience with distributed systems design and messaging frameworks (e.g., Kafka, ZeroMQ, or NATS) for data distribution and persistence.

Benefits

• Healthcare Insurance: zerohash covers roughly 100% of employee premiums as well as a portion of spouse/children (U.S. only)
• Vision & Dental Insurance (U.S. only)
• Chance to earn equity
• Maternity & Paternity leave (after 6 months)
• WeWork All Access Membership
• WFH Yearly Stipend
• L&D Yearly Stipend (after 6 months)

About zerohash

zerohash is the leading crypto and stablecoin infrastructure platform and the operating system for digital money, powering the next generation of financial services. Founded in 2017, zerohash enables banks, brokerages, fintechs, and payment companies to offer crypto trading, stablecoin payments, and tokenized assets without having to build or manage complex blockchain infrastructure on their own.The zerohash platform supports three core pillars: Trade, Transact, and Tokenize. Through a single integration, customers can launch regulated crypto buy, sell, and custody services; enable 24/7 stablecoin-based funding, payouts, and settlement; and issue and manage tokenized assets with built-in compliance, risk controls, and reporting. By abstracting away technical, regulatory, and operational complexity, zerohash allows partners to treat digital assets as just another financial primitive: fast, programmable, and global.zerohash is trusted by some of the world’s most recognized financial and consumer brands, including Interactive Brokers, Morgan Stanley, Stripe, Franklin Templeton, BlackRock, DraftKings, Gusto, Worldpay, Kalshi, One Pay, among others. Today, zerohash infrastructure supports millions of end users across brokerage, wealth, payments, and marketplace platforms globally.The company is deeply regulated and compliance-first, operating across the U.S. and internationally with licenses and approvals that allow partners to enter crypto and stablecoins with confidence. zerohash has become a trusted partner for enterprises seeking to modernize financial products while meeting the highest standards for security, risk management, and regulatory oversight.To date, zerohash has raised over $280 million in funding from a mix of leading venture firms and strategic investors, including Morgan Stanley, Interactive Brokers, SoFi, Point72 Ventures, Bain Capital Crypto, Lightspeed Venture Partners, and more.zerohash has been featured in top-tier media outlets such as Bloomberg, CNBC, The Wall Street Journal, Financial Times, Reuters, Forbes, and CoinDesk, and its leadership team regularly contributes to global conversations on the future of payments, investing, and financial infrastructure.At zerohash, we're building the infrastructure that makes digital money work securely, compliantly, and at global scale.

The zerohash Culture

All zerohash employees are guided by the following characteristics and core principles:

• Independence/Ownership - An ability to work autonomously. Join zerohash, pitch ideas, and shape the work you do.
• Passion - We are innovating quickly and challenging the status quo. We want you to think big, be creative and make a difference every day.
• Collaborative - A good attitude and respect for others. We’re teammates, not co-workers. Everything we do is a shared success and equally a shared failure - we talk in terms of “we” not “me”.
• Initiative - An ability and passion for learning and asking questions. We will champion you, challenge you and push you to achieve your best - and we expect you to do the same.
• Empathy - An ability to listen, respect, and understand your co-workers, customers, and everyone you interact with no matter how different they are to you.
• Adaptability - An ability to respond quickly. We are in a fast-paced industry and so we expect you to be creative when solving a new problem and comfortable under pressure.
• Transparency - We believe that transparency is critical to empowering everyone to make the best decisions, both the company to its people and vice versa.
• Integrity - Integrity creates trust. As both an organization collectively and as individuals, it is our most valuable asset.

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