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.