Drive product decisions and build fault-tolerant APIs for a payments platform that scales to millions of transactions while promoting a culture of technical excellence and innovation.
Get ready to
· Collaborate daily with product, design, and compliance in a lean, cross-functional team.
· Drive product decisions end-to-end, moving from concept to code to production in days, not months.
· Contribute to technical excellence: architecture reviews, RFCs, and open feedback - building practices that scale.
· Influence not just the codebase, but the direction of the platform itself - shaping how millions of people will move money globally.
What you’ll do
· Design and operate systems that move billions in payments globally with near-zero downtime, ensuring sub-100ms latency under peak load.
· Build fault-tolerant APIs and microservices (Node.js/TypeScript), scaling to millions of transactions with observability (metrics, tracing, automated alerts) from day one.
· Embed compliance by design: KYC/AML, fraud detection, and audit trails that don’t slow users down.
· Integrate and secure stablecoin and fiat rails - wallets, orchestrators, on/off-ramps - so anyone, anywhere can send and receive money instantly.
· Ensure backend and frontend choices enhance the user experience, not just the codebase.
· Lead initiatives from design to rollout, balancing ambition with global regulatory realities to deliver reliable systems users can depend on daily.
What we’re looking for
· 6+ years building transaction-heavy systems in production, scaling to millions of transactions.
· Deep backend expertise in Node.js (or Java/Go), REST/GraphQL microservices at scale.
· Strong experience with PostgreSQL and Redis.
· Full-stack capability: backend first, but proven ability to ship React/TypeScript frontend features.
· Cloud & infra: AWS/GCP, Kubernetes, CI/CD, IaC.
· Proven ability to meet strict SLAs (99.99% uptime) and latency target (<100ms).
· Experience in regulated fintech/payments: compliance, security and UX as one flow.
How you work (values we expect)
· Ownership mindset - you own outcomes, not just tasks.
· Product-minded - you think in flows, not endpoints, and measure impact, not LOC.
· High-velocity, sustainable pace - you ship fast, adapt quickly, and raise the bar every cycle.
· Clarity over complexity - simple for users, even if complex under the hood.
· AI-native builder - you use Cursor/Claude Code/etc. to eliminate grunt work and focus on hard problems.
Bonus Points if you have…
· Scaled stablecoin/payment integrations (wallets, custody, on/off-ramps) to millions of users.
· Hands-on with secure key management, custody infrastructure, or smart contract audits.
· Experience building payment flows handling millions of transactions (cards, payouts, reconciliation, FX).
· Cross-border FX and settlement expertise.
What we offer
· Founding role - build the architecture, standards, and codebase future engineers will inherit.
· Move fast, no bureaucracy - high-trust environment, maximum autonomy.
· Career-defining opportunity - build a payments platform from scratch as stablecoins go mainstream.
· Transparent, supportive culture - feedback flows freely, the best ideas win, and you’ll have the freedom to experiment, learn, and grow.
Toptal enables start-ups, businesses, and organizations to hire freelancers from a growing network of the best custom software developers and designers in the world. Find developers and designers to work full-time, part-time, or hourly who will seamlessly integrate into your team.
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