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Location: Remote
Type: Full-time
Company: Ihsan
Product: Ihsan Pay
Type: Full-time
Company: Ihsan
Product: Ihsan Pay
Website: https://ihsan.com/
Social Media: https://www.instagram.com/sultansamuelaziz/
YouTube: https://www.youtube.com/@sultansamuelaziz/
Stack: Go, TypeScript, PostgreSQL, React Native, Solana
Important requirement
Please apply only if you have personally built important backend infrastructure for a live financial product handling real customer funds.
We are especially interested in engineers who have worked on:
- Stablecoin neobanks or payment wallets
- Digital banking or money-transfer platforms
- Payment ledgers and balance systems
- Card payments and bank-transfer infrastructure
- Settlement and reconciliation systems
- High-volume financial transaction platforms
General frontend, cryptocurrency, NFT, smart-contract or DeFi experience without production payment-backend experience is not sufficient for this position.
About Ihsan and Ihsan Pay
Ihsan is building a new digital home for the global Muslim community.
Our long-term vision is to create a super-app that brings the Ummah together in one place—starting with private communication and expanding into payments, commerce, investment, media, education and more.
We believe the Muslim world should have digital infrastructure that reflects its values, protects its independence and makes it easier for Muslims across countries, cultures and languages to connect and do business.
Ihsan Pay is the financial foundation of this vision.
We are building a global stablecoin neobank that feels as simple and familiar as a modern bank account and is aligned with Islamic principles.
Users will be able to hold and use three digital balances:
- US dollars through USDC
- Euros through EURC
- Gold through PAXG
We are intentionally focusing on three carefully selected assets—not building a cryptocurrency exchange with hundreds of speculative tokens.
Integrated into the Ihsan super-app, Ihsan Pay will allow users to:
- Hold US dollars, euros and gold
- Send money using usernames and QR codes
- Receive instant payments from other Ihsan Pay users
- Deposit and withdraw through approved fiat partners
- Make local and international payments
- Accept payments as a merchant
- Use an Ihsan Pay Visa debit card
- Use gold as an everyday means of payment
- Store, spend and invest without riba (interest)
Our mission is to make payments and commerce easier, strengthen economic cooperation across the Ummah (Muslim Community) and contribute to building a more connected and prosperous Ummah.
Learn more about our vision and mission here: https://www.youtube.com/@sultansamuelaziz/
The role
We are looking for an exceptional senior or staff-level backend engineer to help build the financial core of Ihsan Pay.
You will take ownership of the backend systems that ensure every balance, transfer, deposit, withdrawal and card transaction is recorded and processed correctly.
When a user deposits $1,000, sends $100 or receives a card refund, Ihsan Pay must always know exactly what happened and what the user’s correct balance should be—even when providers send duplicate events, systems temporarily fail or transactions arrive in an unexpected order.
Your responsibility will be to make that financial infrastructure reliable, secure and auditable.
This is a hands-on engineering position. You will design the architecture and write production code—not only manage other engineers.
What you will build
- Ihsan Pay’s core payments backend
- The financial ledger that records every movement of customer funds
- Real-time balances for USDC, EURC and PAXG
- Internal transfers between Ihsan Pay users
- Username- and QR-based payment processing
- Deposit and withdrawal workflows through approved fiat partners
- Card authorization, settlement, reversal and refund processing
- Merchant-payment and settlement infrastructure
- Payment state machines and transaction lifecycles
- Idempotent APIs that prevent duplicate payments
- Reliable processing of provider webhooks and asynchronous events
- Reconciliation between Ihsan’s records, custody accounts and external providers
- Systems for identifying missing, duplicated or inconsistent transactions
- Administrative tools for investigating and correcting payment problems
- Permanent financial audit trails
- Monitoring and alerts for failed or delayed payments
- Secure access controls for sensitive financial operations
- Scalable infrastructure that can support international growth
Examples of problems you will solve
- A payment provider sends the same deposit notification three times
- A card payment is approved but settled several days later for a different amount
- A customer receives a refund after the original transaction was already reversed
- A bank transfer succeeds, but the provider webhook is delayed
- Two payment requests attempt to spend the same balance simultaneously
- An internal transfer fails halfway through processing
- Ihsan’s records do not match a custody or payment partner’s records
- A provider becomes temporarily unavailable while transactions are still in progress
The system must handle these situations without losing money, creating money, duplicating transactions or showing customers an incorrect balance.
Required experience
You should have:
- Senior or staff-level backend engineering experience
- Experience building a live financial product handling real customer funds
- Direct experience with payment ledgers, balances or transaction systems
- Strong understanding of payment lifecycles and financial state changes
- Experience with bank transfers, payment cards, wallets or stablecoin payments
- Experience processing webhooks and asynchronous payment events
- Experience designing idempotent and fault-tolerant systems
- Experience with reconciliation and settlement
- Strong PostgreSQL and data-modelling skills
- Experience investigating difficult production payment incidents
- Strong security awareness and attention to financial correctness
- The ability to design architecture and write production code
- Clear written and spoken English
- High ownership and comfort working in a founding-stage team
Technical experience
Strong experience with several of the following is expected:
- Go, TypeScript, Java, Kotlin or another suitable backend language
- PostgreSQL and transactional database design
- Double-entry financial ledgers
- Event-driven systems and message queues
- Payment state machines
- Idempotency, concurrency control and distributed-system reliability
- Webhooks, retries and dead-letter handling
- Reconciliation and settlement systems
- Card authorization, clearing, reversals and refunds
- Bank-transfer and fiat-payment integrations
- Stablecoin payment infrastructure
- Solana, USDC, EURC or tokenized assets
- Observability, audit logging and incident response
You do not need to know our exact technology stack already. Direct experience building reliable payment infrastructure is more important than experience with one particular programming language.
Strong advantages
- Built the financial core of a stablecoin neobank
- Designed a double-entry ledger handling customer funds
- Built internal transfers between users
- Integrated fiat on-ramps and off-ramps
- Integrated a card issuer or card-processing platform
- Built settlement and reconciliation systems across multiple providers
- Worked with custodians or omnibus customer-funds accounts
- Processed substantial transaction volume in production
- Helped launch a financial product across multiple countries
- Built systems subject to financial audits or regulatory requirements
- Previously worked as an early or founding engineer
- Personal alignment with our mission to strengthen and unite the Ummah
What success looks like
You will help us build a financial platform where:
- Every customer balance is accurate
- Every movement of funds has a complete record
- Duplicate events cannot create duplicate credits or payments
- Internal transfers are instant and reliable
- Deposits, withdrawals and card transactions reconcile correctly
- Provider failures do not cause customers to lose money
- Financial discrepancies are detected quickly
- The team can clearly investigate every transaction
- New payment partners can be added without weakening the system
- Ihsan Pay can grow internationally on a dependable financial foundation
Why join Ihsan?
You will help build the financial foundation of Ihsan Pay from the beginning.
Your work will determine whether users can trust every balance and every payment shown inside the product.
You will join at an early stage, shape important technical and architectural decisions and take meaningful ownership of infrastructure intended to serve the global Muslim community.
For someone who shares our mission, this is an opportunity to use your experience to help build lasting financial infrastructure for the Ummah.
How to apply
Please apply via email to vincent@ ihsan.com.
Please submit:
- Your CV
- LinkedIn profile
- GitHub or relevant technical portfolio
- Your current location and time zone
- Compensation expectations and availability
- The name and website of the most relevant financial product you helped build
- App Store and Google Play links, if available
Please answer these three questions:
- Which live payment, stablecoin or digital-banking product did you work on, what was your role and how long did you work there?
- Which ledger, balance, payment, settlement or reconciliation systems did you personally design or build?
- What transaction volume did the product handle, and can you describe one difficult financial-integrity problem you personally solved?
Direct experience building backend infrastructure for a live product handling real customer funds is required.
Apply via email: vincent@ ihsan.com
What is the work of fintech?
Fintech (short for financial technology) refers to the use of technology to innovate and improve financial services
Fintech companies develop and offer various financial products and services that are often more convenient, affordable, and accessible than traditional financial services
Fintech in Web3 is focused on developing decentralized financial (DeFi) applications that enable peer-to-peer financial transactions without intermediaries such as banks or other financial institutions
These DeFi applications are built on blockchain technology, which provides transparency, security, and immutability to financial transactions
Some of the common areas of fintech include:
- Payment and money transfer services: Fintech companies offer online payment solutions, mobile wallets, and digital currency exchanges to facilitate the transfer of money between individuals or businesses.
- Personal finance and wealth management: Fintech companies provide online investment platforms, robo-advisors, and financial planning tools to help individuals manage their money and invest in a more efficient way.
- Lending and financing: Fintech companies offer various loan and financing options, such as peer-to-peer lending, crowdfunding, and invoice financing, which are often more flexible and accessible than traditional bank loans.
- Insurance: Fintech companies offer innovative insurance products and services, such as peer-to-peer insurance and usage-based insurance, that are tailored to meet the needs of customers.
- Decentralized exchanges (DEXs): These are platforms that enable peer-to-peer trading of cryptocurrencies without intermediaries. DEXs use smart contracts to execute trades automatically and securely on the blockchain.
- Decentralized lending platforms: These platforms use smart contracts to enable peer-to-peer lending without intermediaries. Borrowers can access loans without going through a traditional bank or financial institution, while lenders can earn interest on their funds.
- Decentralized insurance platforms: These platforms use smart contracts to automate the claims and payout process, reducing fraud and increasing transparency.
- Decentralized identity solutions: These solutions use blockchain technology to create a secure and decentralized identity system, enabling users to control their own data and identity.