Senior Back End Engineer - USA only

About Fold Fold is a publicly listed bitcoin financial services company building the tools people need to earn, buy, sell, and live on Bitcoin. Our products include the first-ever bitcoin-rewards Visa debit card, a bitcoin-rewards credit card, a Bitcoin exchange and wallet, and thousands of merchant offers. We went public in February 2025 and we're growing fast with a passionate, loyal community. The Backend Engineering team owns the core infrastructure that powers all of this — payment processing, ledger systems, card transaction flows, and the pipelines that tie it all together. We're a small team solving hard problems in financial infrastructure, and every engineer has a direct impact on the product. What You'll Do We're looking for a Senior Software Engineer to help build the financial infrastructure behind Fold. You'll design, build, and scale backend services that power payments and real-time transaction processing. This is a chance to have an outsized impact at a company where your technical decisions shape the trajectory of the product. Day to day, that means: Designing and implementing scalable, reliable backend services that handle real-time transaction processingBuilding and evolving event-driven systems for processing financial eventsIntegrating with external partners — card processors, banking APIs, payment networksOwning features end-to-end, from technical design through deployment and monitoringCollaborating closely with product, design, and fellow engineers to ship quickly and iterativelyMentoring other engineers through code reviews, pairing, and architectural guidanceImproving engineering practices, tooling, and infrastructure as the team grows What We're Looking For 5+ years of professional software engineering experience with strong proficiency in Java or a similar statically-typed language (Kotlin, Scala, C#)Experience building and operating production microservices and distributed systemsExperience with messaging or event streaming systems (Kafka, Pulsar, or similar)Solid understanding of relational databases with an intuition for data modeling and transactional consistencyComfort working with cloud infrastructure, CI/CD pipelines, and containerizationExperience scaling systems in a fast-paced, growth-stage environmentStrong communication skills and a collaborative, low-ego mindset What Will Make You Stand Out Experience with financial systems, payment processing, or ledger/accounting domainsFamiliarity with event-driven architectures, CQRS, and event sourcing patternsExperience with Micronaut, Quarkus, or similar modern Java frameworksPassion for BitcoinYou're already a Fold user Candidates must have permanent legal authorization to work in the United States. Visa sponsorship is not available for this position. What You'll Love About Us Fold operates in the fast-growing, early stage industry that is Bitcoin. Our products and our mission are direct extensions of the financial freedom that Bitcoin represents. In addition to being part of a mission that matters, we offer incredible benefits, including: We’re a highly collaborative, fully remote teamFlexible work schedule, including flexible time offCompetitive salaryEquity package401k with employer match up to 3%Yearly vacation stipendComprehensive health, vision and dental insurance, including HSA and FSA accountsPaid parental leaveRegular in-person team meetups to socialize and co-workNew to Bitcoin? We offer all our new hires a “starter pack” to get you up to speed, including learning materials about Bitcoin and your own hardware wallet.And much, much more!https://use.foldapp.com/sign-up?referral=CCUNX3JF to get to know our product andhttps://x.com/fold_appfor all the latest happenings! Fold is an equal opportunity employer. We don’t discriminate against applicants for any reason. Locations: Senior Software Engineer