Backend Architect - Pay&Card Tech

Binance is a leading global blockchain ecosystem behind the world’s largest cryptocurrency exchange by trading volume and registered users. We are trusted by 300+ million people in 100+ countries for our industry-leading security, user fund transparency, trading engine speed, deep liquidity, and an unmatched portfolio of digital-asset products. Binance offerings range from trading and finance to education, research, payments, institutional services, and more. Our mission is to increase the freedom of money and financial access for people around the world. 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 Why Binance • Shape the future of finance • Collaborate with world-class talent in a user-centric global organization with a flat structure • Tackle challenging projects in a fast-paced and innovative enviornment with autonomy • Thrive in a results-driven workplace with opportunities for career growth and continuous learning • Competitive salary and company benefits • Remote-first, work-from-home arrangement (may vary depending on the nature of the role and team) Binance is committed to being an equal opportunity employer. We believe that having a diverse workforce is fundamental to our success. By submitting a job application, you acknowledge that you have read our Candidate Privacy Notice. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us. Show more Show less

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.

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.