About Fold

Fold is a publicly traded Bitcoin financial services company offering the first-ever bitcoin-rewards Visa debit card, a bitcoin-rewards credit card, a Bitcoin exchange and wallet, and thousands of merchant offers.

About the Role

The Backend Engineering team maintains the fundamental systems powering Fold’s products, including payment processing, ledger systems, card transaction flows, and the pipelines that tie it all together. As a senior engineer on this small team, you’ll have considerable influence over product direction and technical strategy.

Responsibilities

• Design and implement scalable backend services for real-time transaction processing
• Build and maintain event-driven systems that handle financial events
• Integrate with external partners including card processors, banking APIs, and payment networks
• Own features completely — from technical design through deployment and ongoing monitoring
• Work cross-functionally with product, design, and engineering colleagues to deliver iteratively
• Mentor team members through code reviews, pair programming, and architectural discussions
• Enhance engineering practices, tools, and infrastructure as the team scales

Required Qualifications

• 5+ years of professional software engineering experience with strong Java or similar statically-typed language proficiency (Kotlin, Scala, C#)
• Production microservices and distributed systems experience
• Familiarity with messaging or event streaming platforms (Kafka, Pulsar, or equivalent)
• Solid relational database knowledge with data modeling and transactional consistency skills
• Cloud infrastructure, CI/CD pipelines, and containerization competency
• Experience scaling systems in fast-growing environments
• Strong collaboration and communication abilities with a humble, team-oriented approach

Preferred Qualifications

• Financial systems, payment processing, or ledger/accounting domain expertise
• Knowledge of event-driven architectures, CQRS, and event sourcing patterns
• Experience with Micronaut, Quarkus, or comparable modern Java frameworks
• Bitcoin enthusiasm
• Active Fold product user

Benefits

• Fully remote team structure
• Flexible scheduling and unlimited time off
• Competitive salary with equity package
• 401(k) with 3% employer match
• Annual vacation stipend
• Comprehensive health, vision, and dental coverage including HSA and FSA options
• Paid parental leave
• Quarterly in-person team gatherings
• Bitcoin education resources and hardware wallet for new hires

Note: Candidates must possess permanent legal work authorization in the United States. Visa sponsorship is unavailable for this position.