Senior Back End Engineer

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.

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 processing
• Building and evolving event-driven systems for processing financial events
• Integrating with external partners — card processors, banking APIs, payment networks
• Owning features end-to-end, from technical design through deployment and monitoring
• Collaborating closely with product, design, and fellow engineers to ship quickly and iteratively
• Mentoring other engineers through code reviews, pairing, and architectural guidance
• Improving engineering practices, tooling, and infrastructure as the team grows

• 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 systems
• Experience with messaging or event streaming systems (Kafka, Pulsar, or similar)
• Solid understanding of relational databases with an intuition for data modeling and transactional consistency
• Comfort working with cloud infrastructure, CI/CD pipelines, and containerization
• Experience scaling systems in a fast-paced, growth-stage environment
• Strong communication skills and a collaborative, low-ego mindset

• Experience with financial systems, payment processing, or ledger/accounting domains
• Familiarity with event-driven architectures, CQRS, and event sourcing patterns
• Experience with Micronaut, Quarkus, or similar modern Java frameworks
• Passion for Bitcoin
• You'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 team
• Flexible work schedule, including flexible time off
• Competitive salary
• Equity package
• 401k with employer match up to 3%
• Yearly vacation stipend
• Comprehensive health, vision and dental insurance, including HSA and FSA accounts
• Paid parental leave
• Regular in-person team meetups to socialize and co-work
• New 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!
• Download our app to get to know our product and follow us on X for all the latest happenings!

Fold is an equal opportunity employer. We don’t discriminate against applicants for any reason.