Backend Architect - Pay&Card Tech

Binance • Java • 1 month ago
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Salary
≈ $130k – $272k per year (Estimated)
Location
Remote (Japan, United Arab Emirates, Argentina, Mexico, Taiwan, Singapore)
Seniority
Architect · 8+ years exp
Employment
Full-Time
Overview
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Binance

Binance is the world's largest cryptocurrency exchange by trading volume, founded in 2017 by Changpeng Zhao and Yi He. The platform offers spot, margin and derivatives trading across hundreds of digital assets, alongside staking, savings products, payments, an institutional custody arm and a self-custodial Web3 wallet. The group also created BNB Chain, one of the most used smart contract networks, and now operates under a licensed regional structure after a 2023 settlement with United States authorities that installed new leadership and compliance oversight.
binance.com • HQ: Abu Dhabi, United Arab Emirates • Mining & Staking • Crypto Payments • Web3 & dApps • Blockchain & Crypto • Cryptocurrencies • Crypto Exchanges • 1001-5000 employees • Est. 2017

About the Team

The Binance Pay&Card team is revolutionizing the way people transact and manage their finances globally. Binance Pay is a cutting-edge payment solution that enables users to send, receive, and pay with crypto seamlessly. Join us to be part of a dynamic team driving the future of digital payments and financial technology.

Role Overview

As a Backend Architect on the Pay&Card Team, you will be responsible for architecting and building card-related systems end to end. You will work closely with cross-functional teams to design scalable, secure, and compliant infrastructure that supports card systems and lifecycle management.

Responsibilities

  • Architect, build, and maintain backend systems for card issuing and card lifecycle management

  • Lead the technical design and implementation of card certification processes (Visa, MasterCard, Apple Pay / Google Pay onboarding programs)

  • Define and drive the system architecture, service boundaries, and integration patterns for card platform services

  • Ensure system reliability, scalability, and compliance with payment network standards

  • Collaborate with product, compliance, and engineering teams to translate business requirements into technical specifications

  • Establish engineering best practices, code quality standards, and technical documentation for the team

  • Work hands-on - this is a builder role, not a pure advisory position

Requirements

  • 8+ years of backend engineering experience with strong Java / Spring expertise

  • Direct experience building or maintaining a card system

  • Experience with card certification processes and/or card onboarding programs

  • Strong system design and architecture skills, with experience in distributed systems and high-throughput payment infrastructure

  • Understanding of card network standards, payment flows, and compliance requirements

Preferred Qualifications

  • Experience at a fintech, startup, or crypto company that has issued cards

  • Familiarity with card lifecycle management, tokenization, and payment gateway integrations

  • Experience working in agile, fast-paced environments with short release cycles

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