Netaro | Dublin, CA (On-site)
$150K to $210K + 0.5% to 1.5% Equity
netaro.xyz
WHAT WE'RE BUILDING
A business in the Philippines receiving a wire from San Francisco today will wait 2 to 3 days and pay 3% to 5% in fees. Most of that money is sitting idle in a correspondent bank's nostro account, waiting for overnight batch processing to complete. The rails are 50 years old and nobody in that chain has much incentive to fix them.
We're using stablecoin settlement, specifically USDC and USDT as the clearing layer, to collapse that process to minutes. The crypto mechanics are the easy part. The hard part is building the financial infrastructure on top: double-entry accounting across fiat and crypto assets, atomic settlement across multiple providers, real-time reconciliation, and the compliance posture to operate in regulated markets.
As a two-person team, we've built the V1 core, closed a $2M funding round, and secured the institutional plumbing with all design partners. We have enterprise customers lined up to push millions of dollars through this pipe. Now, we need our first engineering partner to help us turn this from a working prototype into an indestructible, fault-tolerant enterprise platform. Whoever joins next isn't here to maintain code. You are here to architect the edge cases, build the white-labeled API, and ensure we can move eight figures a month without dropping a single database row.
THE ROLE
You'll be our first engineering hire, working directly with the CTO. You'll own meaningful parts of the system, participate in architecture decisions, and have your fingerprints on infrastructure that moves real money at scale.
This is a high-autonomy IC role for someone who wants to build. As the team grows, this role can evolve in whatever direction fits you, whether that means staying a deep IC or growing into technical leadership. We don't have a predetermined path.
You will be on-site, 5 days a week in Dublin, CA. We're an early-stage team and in-person collaboration is core to how we work. Dublin sits on the reverse commute from SF, Oakland, and San Jose, which means minimal traffic both ways.
WHAT YOU'LL WORK ON
You'll design and build core financial infrastructure. These are the systems that move, track, and safeguard real money across currencies, providers, and regulatory regimes. This means:
• Designing settlement systems that handle atomic multi-currency transactions where correctness isn't optional.
• Owning the reliability story across a growing web of third-party providers, each with its own failure modes, latency profiles, and edge cases.
• Building the async infrastructure that keeps everything reconciled, recovered, and auditable.
• Shipping user-facing features across the stack. The frontend is Next.js and TypeScript, and you'll own it end-to-end alongside the backend.
• Shaping the type-safety and code-quality standards that the rest of the engineering team will inherit.
• Making architectural decisions about what to build, what to buy, and what to defer, with real tradeoffs and real consequences.
STACK
• Backend: Python 3.13, FastAPI, SQLAlchemy, PostgreSQL, Redis, Arq
• Frontend: Next.js 14, TypeScript, React 18, Tailwind
• Infrastructure: AWS ECS Fargate, RDS, ElastiCache, Terraform, GitHub Actions
WHAT WE'RE LOOKING FOR
• Strong Python and TypeScript. You know the ecosystems deeply, not just the syntax.
• Production experience with relational databases and async systems.
• The ability to design systems, not just implement them. You think about data models, service boundaries, and failure modes before writing a line of code.
• High standards for correctness, type safety, and testing.
• Enough design sensibility to ship clean, functional UIs without a dedicated designer.
• You've shipped things real users depend on and felt personally responsible for keeping them running.
• Comfort owning features end-to-end, including the unfamiliar parts.
• Comfort using AI tools effectively. You know when to trust the output and when to push back.
• High judgment. You know when to move fast and when to slow down.
Fintech experience is a plus, not a requirement. If you're drawn to problems where correctness actually matters, you'll fit in perfectly.
WHAT WE OFFER
• $150K to $210K base salary.
• 0.5% to 1.5% equity with a standard 4-year vest and 1-year cliff. This is founding-team-level ownership. The value depends entirely on what we build together, and we're happy to walk through our cap table, market thinking, and trajectory in the interview.
• Health, dental, and vision insurance. We just closed our funding round and are setting this up now, so it will be fully in place before your start date.
• Top-tier equipment. You tell us what you need to do your best work (maxed-out MacBook Pro, monitors) and we will provide it.
• Commute/Relocation support. Whether it's covering your FasTrak/BART costs or helping with a small relocation stipend to move closer to the East Bay, we want to make the on-site requirement as frictionless as possible.
• An on-site environment in Dublin, CA. We are a small team with direct collaboration and no layers between you and the decisions that matter.
THE NETARO DNA (HOW WE BUILD)
We don't just have corporate values; we have engineering principles. If you join us, this is how we expect you to operate:
• First Principles Thinking: We aren't patching the broken legacy banking system; we are replacing it. You will deconstruct complex financial flows down to their fundamental truths and engineer structurally superior systems using programmable stablecoins.
• Velocity without Compromise: Money should move at the speed of data, and so do we. We bias toward aggressive action and ship enterprise-grade infrastructure rapidly. But because we move millions of dollars, we never compromise on elegance or reliability. We move fast, but we do not break things.
• Trust & Integrity: Compliance and security aren't DevOps afterthoughts—they are embedded into every line of code you write. We build transparent, auditable infrastructure that our banking partners can rely on for decades. Doing the right thing, especially when it's technically difficult, is non-negotiable.
• High-Context Collaboration: We are a small team tackling complex global markets. You won't be coding in a silo. You will partner closely with the founders to navigate the messy realities of third-party vendors and local banking APIs with deep empathy and high agency.
• Building a Better World: We are democratizing access to stable, instant, and low-cost payments to unlock financial efficiency for billions. You aren't optimizing ad clicks; you are building borderless infrastructure for global inclusion.
INTERVIEW PROCESS
We respect your time. Our process has three steps and we aim to make a decision within two weeks: