Senior Software Engineer, Fiat Payments & Banking Infrastructure

About the Job

Zero Hash is looking for a Senior+ Software Engineer to architect and build our fiat payment systems, scaling our gateway to Finance 2.0. We are a high-performing team looking for an equally ambitious and driven teammate. The right candidate for this position is detail-oriented, deeply technical, and driven by the challenges of complex financial systems. You are eager to build secure, resilient, and highly scalable banking infrastructure. If you are looking to have a massive impact in a high-growth startup bridging the gap between traditional finance and digital assets, you will find this role uniquely challenging and rewarding.

Role Objectives & Focus

This senior-level role focuses intensely on the backbone of our financial infrastructure:

• Fiat Payments: Building and maintaining robust fiat rails such as ACH, RTP, FedNow, RFP in the US, and SEPA in Europe.
• Banking Infrastructure: Direct API integrations with top-tier banking partners.
• Treasury Management: Developing sophisticated software to autonomously manage and reconcile balances across banking networks.
• Operational Tooling: Creating internal tooling to streamline financial operations and scale our capacity to handle millions of transactions securely.

Responsibilities

• Lead the architectural design and hands-on development of our global fiat payment rails (ACH, RTP, FedNow, Request for Pay, and SEPA).
• Architect, implement, and scale seamless API integrations into our banking partners' systems.
• Design and build robust treasury management software for internal operations, allowing programmatic liquidity management and automated balance transfers between partner banks.
• Develop robust internal operational tooling to support reconciliation, automated alerts, financial operations, and compliance reporting.
• Support the company's vital business by contributing to the design and development of software in an event-driven microservices environment.
• Develop microservices, primarily utilizing Golang.
• Work closely with platform engineers to set up new services and scale existing infrastructure.
• Respond to production issues and alerts, ensuring high availability of our payment gateways.
• When necessary, communicate directly with banking partners and client technical teams to resolve complex integration issues.

Requirements

• 7+ years of software engineering experience, specifically focused on Payments, FinTech, or Banking-as-a-Service (BaaS) infrastructure.
• Deep proficiency with Golang in a production environment.
• Extensive understanding of traditional fiat networks and clearing systems (e.g., ACH, RTP, FedNow, SEPA, Swift).
• Strong expertise in SQL and complex database schema design for high-throughput, ACID-compliant financial ledgers.
• Hands-on experience developing, integrating, and maintaining resilient connections with bank APIs and third-party payment processors.
• A humble and scrappy get-it-done mindset; you're resourceful and in your element going from 0 to 1.
• Excellent problem-solving skills; you can systematically troubleshoot complex distributed systems.
• Comfort with ambiguity; the ability to independently lay out and test clear hypotheses, and solve architectural problems without well-defined direction.
• Excellent verbal and written communication skills.

Preferred Qualifications

• Bachelors in Computer Science or equivalent experience.
• Experience at a banking-as-a-service, brokerage-as-a-service, or payment-as-a-service business.
• Proven track record of building treasury management or automated ledgering systems from scratch.
• Experience with digital assets and crypto infrastructure.
• Experience with distributed systems design and messaging frameworks (e.g., Kafka, ZeroMQ, or NATS) for data distribution and persistence.

Benefits

• Healthcare Insurance: Zero Hash covers roughly 100% of employee premiums as well as a portion of spouse/children (U.S. only)
• Vision & Dental Insurance (U.S. only)
• Chance to earn equity
• Maternity & Paternity leave (after 6 months)
• WeWork All Access Membership
• WFH Yearly Stipend
• L&D Yearly Stipend (after 6 months)

About Zero Hash

Zero Hash is the leading crypto and stablecoin infrastructure platform and the operating system for digital money, powering the next generation of financial services. Founded in 2017, Zero Hash enables banks, brokerages, fintechs, and payment companies to offer crypto trading, stablecoin payments, and tokenized assets without having to build or manage complex blockchain infrastructure on their own. The Zero Hash platform supports three core pillars: Trade, Transact, and Tokenize. Through a single integration, customers can launch regulated crypto buy, sell, and custody services; enable 24/7 stablecoin-based funding, payouts, and settlement; and issue and manage tokenized assets with built-in compliance, risk controls, and reporting. By abstracting away technical, regulatory, and operational complexity, Zero Hash allows partners to treat digital assets as just another financial primitive: fast, programmable, and global. Zero Hash is trusted by some of the world’s most recognized financial and consumer brands, including Interactive Brokers, Morgan Stanley, Stripe, Franklin Templeton, BlackRock, DraftKings, Gusto, Worldpay, Kalshi, One Pay, among others. Today, Zero Hash infrastructure supports millions of end users across brokerage, wealth, payments, and marketplace platforms globally. The company is deeply regulated and compliance-first, operating across the U.S. and internationally with licenses and approvals that allow partners to enter crypto and stablecoins with confidence. Zero Hash has become a trusted partner for enterprises seeking to modernize financial products while meeting the highest standards for security, risk management, and regulatory oversight. To date, Zero Hash has raised over $280 million in funding from a mix of leading venture firms and strategic investors, including Morgan Stanley, Interactive Brokers, SoFi, Point72 Ventures, Bain Capital Crypto, Lightspeed Venture Partners, and more. Zero Hash has been featured in top-tier media outlets such as Bloomberg, CNBC, The Wall Street Journal, Financial Times, Reuters, Forbes, and CoinDesk, and its leadership team regularly contributes to global conversations on the future of payments, investing, and financial infrastructure. At Zero Hash, we're building the infrastructure that makes digital money work securely, compliantly, and at global scale.

The Zero Hash Culture

All Zero Hash employees are guided by the following characteristics and core principles:

• Independence/Ownership - An ability to work autonomously. Join Zero Hash, pitch ideas, and shape the work you do.
• Passion - We are innovating quickly and challenging the status quo. We want you to think big, be creative and