Software Engineer, Payments Product Lead
$160,000–$260,000 year
On-sitePalo Alto, California, United States
Job Summary
Spec the Payment API, ship the testnet sandbox, and harden USDT/USDC settlement rails to production grade within your first 90 days. Lead requirements intake and integration with banks, EMIs, and stablecoin issuers while designing revenue attribution and reconciliation systems. Own the payments seam with the trading stack, defining the API contract for corridor FX routing and invisible client handoffs. Hire and lead the first two engineers, making build-vs-buy decisions on orchestration components and KYC tooling. Publish the v1 spec and drive the first end-to-end client integration to clear the unit's initial gate.
Required Qualifications
- 8+ years building payment infrastructure at production scale — PSP or orchestrator-class systems: cross-border rails, on/off-ramps, virtual accounts, reconciliation
- Hands-on chain-native settlement experience: stablecoin rails, ramp integrations, wallet infrastructure
- Move or Rust a plus
- strong engineering judgment on any stack a must
- Front-facing gravitas: banks, issuers, and regulated partners treat you as a peer
- You've led external technical relationships, not just internal roadmaps
- A product engineer's instincts: you build bottoms-up from what clients and partners actually need, and you treat existing internal products as assets to resell — not constraints to build around
- Player-coach by default: you ship code, then hire people better than you at parts of it
Desired Qualifications
- APAC corridor experience — e-wallet ecosystems, QR rails, regional licensing landscapes
- Enough FX and market-structure fluency to be a strong counterpart to the trading team on the RFQ integration
- Working familiarity with payments regulation (money transmission, MiCA, Singapore PS Act) — enough to design with counsel, not practice law
- A prior 0→1: founding engineer, first technical hire, or owner of a product line from blank page to revenue
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