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Backend Architect - Pay&Card Tech
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
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Architect, build, and maintain backend systems for card issuing and card lifecycle management
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Lead the technical design and implementation of card certification processes (Visa, MasterCard, Apple Pay / Google Pay onboarding programs)
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Define and drive the system architecture, service boundaries, and integration patterns for card platform services
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Ensure system reliability, scalability, and compliance with payment network standards
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Collaborate with product, compliance, and engineering teams to translate business requirements into technical specifications
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Establish engineering best practices, code quality standards, and technical documentation for the team
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Work hands-on — this is a builder role, not a pure advisory position
Requirements
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8+ years of backend engineering experience with strong Java / Spring expertise
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Direct experience building or maintaining a card system
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Experience with card certification processes and/or card onboarding programs
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Strong system design and architecture skills, with experience in distributed systems and high-throughput payment infrastructure
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Understanding of card network standards, payment flows, and compliance requirements
Preferred Qualifications
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Experience at a fintech, startup, or crypto company that has issued cards
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Familiarity with card lifecycle management, tokenization, and payment gateway integrations
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Experience working in agile, fast-paced environments with short release cycles