Senior Software Engineer (Backend): Ledger - Wallets

About us:

BVNK is the stablecoin-powered financial stack for enterprises. We're now part of Mastercard, and together we're building a network for every form of money – one that delivers more reach, more capability and more choice.

We enable businesses to build financial products, unlock new markets, and move money in seconds across 130+ countries, with 40+ licenses for fiat and digital assets globally. Processing billions annually, we empower enterprises worldwide to send, receive, convert, and settle stablecoins and fiat seamlessly through a single integration.

Our mission is to accelerate global money movement, and we're assembling a world-class team to make it happen.

Trusted by industry leaders like Corpay, Worldpay, Deel, and Flywire, we deliver the infrastructure that makes new forms of money usable within the financial systems customers already rely on today.

By combining Mastercard's global payment reach and trusted networks with BVNK's stablecoin infrastructure, we're building the trusted operating layer for the evolution of money movement, helping customers participate in emerging digital networks without having to rebuild their businesses around every new innovation.

We're a diverse team spread across EMEA, North America, and APAC, with a shared belief that stablecoins are the new infrastructure layer for financial services, and that BVNK is at the forefront of this shift.

We're incredibly honored to have been recognized by:

• CNBC World's Top Fintech Companies (2026)
• FXC Intelligence Top 100 Cross-border Payment Companies (2026)
• Newsweek's The Top 100 Global Most Loved Workplaces (three years running, most recently 2025)
• LinkedIn as one of the Top 20 Startups in the UK (2025)

Location: We offer a Hybrid/Remote working policy.

Function: Engineering

We're looking for a talented Software Engineer to join the Wallets subdomain within BVNK's Ledger domain.

The Wallets subdomain is responsible for the complete lifecycle of customer wallets: creation, activation, blocking, suspension, and termination; across fiat and crypto, for direct merchants, embedded partners, and their underlying customers. 

This is high-impact, foundational work. As BVNK scales into new products and new entity structures, the Wallets subdomain is at the centre of it all: every new product capability, every new customer type, and every new custody model needs a wallet representation that is accurate, compliant, and scalable. You'll be building the infrastructure that makes all of this possible.

Our product and engineering organisation is split into small autonomous squads empowered to own their problem space. You’ll be expected to form strong opinions and execute in a fast but sustainable way, advocating for the simplest solution that achieves the outcomes our customers are looking for.

Key Areas of Responsibilities:

• Own and evolve the Wallet — Design and implement services that manage the full wallet lifecycle: creation, activation, blocking/unblocking, suspension, and termination across fiat and crypto wallets for all customer types.
• Integrate across domains — Collaborate internally with a wide range of domains - Digital Assets, Fiat, Onboarding, Billing etc.
• Design for reliability and horizontal scale — Build services following BVNK's hexagonal architecture patterns. Contribute to HPA tuning, DLQ handling, and performance optimisation for production workloads.
• Own operational excellence — Participate in on-call rotations, incident response, and production monitoring for wallet-critical services. 
• Ship with quality — Write well-tested, well-documented code. Contribute to architecture reviews and technical design submissions. Uphold BVNK's microservices standards.

What we need from you:

• 5+ years of backend engineering experience in Java/Kotlin with Spring Boot.
• Strong distributed systems fundamentals — experience building microservices with event-driven architectures (Kafka, SQS), relational databases (MySQL/PostgreSQL), and caching (Redis).
• Experience with account or wallet systems — you've built or maintained systems that manage account/wallet lifecycle, state machines, or financial entity management where correctness and auditability are non-negotiable.
• Solid grasp of domain-driven design and hexagonal architecture — you can model complex domains cleanly, define bounded contexts, and build services with well-defined boundaries and interaction modes.
• API design skills — experience designing and evolving RESTful APIs that serve both internal services and external customers, with attention to backwards compatibility and developer experience.
• Collaborative and proactive communication — you work effectively with product managers, operations teams, and cross-domain engineers. You're comfortable operating across time zones in a remote-first setup.
• Production ownership mentality — experience with on-call, incident response, and operational monitoring (Grafana, Prometheus, Micrometer). You take pride in the reliability of systems you build.
• Familiarity with CI/CD pipelines, infrastructure-as-code, and observability tooling.
• Open to participate in out of hours on call rota

Nice to have:

• Experience with multi-tenant architectures and tenant migration patterns.
• Background in embedded finance, BaaS, or payment platforms serving B2B2C models.
• Familiarity with database migrations in high-throughput systems.
• Experience with dynamic validation engines or capabilities/feature-flag systems.
• Experience with stablecoin, crypto, or blockchain-adjacent products.

What you can expect from us:

• Fair and competitive salary at every stage of your growth
• Flexible working hours, with hybrid working at its heart
• A culture built on passionate, growth-minded people
• A flexible approach to holiday
• Opportunities to travel to our offices around the world
• An open and creative environment where you can help us define the future of BVNK, its culture, and its opportunity sets

At BVNK, we are focused on building a diverse and inclusive team. While you may not meet all of our requirements, we’d encourage you to apply if you meet the majority of our expectations. You may be a great fit for this role or another role in our team.