Software Engineer

About Toptal

Toptal is the world’s leading premium talent marketplace, trusted by 30,000+ clients, processing over $5B in payments across 140+ countries.

We’re launching Toptal’s next frontier: a borderless finance platform built on stablecoin rails to reinvent how millions of people manage, move, invest, and borrow money. Stablecoins are rapidly evolving into core financial infrastructure, and with regulatory clarity accelerating worldwide, this is the moment to build something foundational.

As part of the engineering team, you’ll work across core systems, payments, and integrations to help us build reliable products that scale. You’ll have the chance to take ownership of key features while continuing to grow your technical depth.

Get ready to

• Collaborate daily with product, design, and compliance in a lean, cross-functional team.
• Build and extend APIs, services, and integrations that power payments, wallets, and lending workflows.
• Contribute to technical excellence: reviews, RFCs, and feedback that raise the bar.
• Ship features that directly impact how global talent moves and manages their money.
  
  

What you’ll do

• Implement backend services (Node.js/TypeScript) with observability (metrics, logging, tracing) from day one.
• Support fintech workflows: payments, wallet operations, and lending features such as origination and repayments.
• Ensure compliance flows (KYC/AML, fraud checks) are embedded without adding friction.
• Work across backend and frontend (React/TypeScript) to deliver clean, user-facing experiences.
• Partner with senior engineers to design, test, and launch features quickly and reliably.
  
  

What we’re looking for

• 3–5 years experience building production systems, ideally in fintech, lending, or payments.
• Solid backend skills in Node.js (or Java/Go), REST/GraphQL APIs.
• Experience with PostgreSQL and Redis.
• Familiarity with React/TypeScript on the frontend.
• Cloud & infra knowledge: AWS/GCP, CI/CD, Kubernetes basics.
• Exposure to financial systems (payments, KYC, wallets, compliance flows).
  
  

How you work (values we expect)

• Ownership mindset - you care about outcomes, not just code.
• Product-minded - you think in flows, not endpoints.
• High-velocity, sustainable pace - you ship quickly, then iterate.
• Clarity over complexity - simple for users, even if complex under the hood.
• AI-native builder - you use modern coding tools to eliminate grunt work.
  
  

Bonus Points if you have…

• Experience integrating fintech APIs (payments, KYC/AML, wallets, custody, FX).
• Hands-on work with compliance-heavy systems or regulated environments.
• Familiarity with scaling transaction-heavy systems.
• Experience working in cross-border or global financial products.
  
  

What we offer

• High-impact role - contribute to systems that power real payments and lending flows from day one.
• Broad exposure - work on core backend, user-facing features, and integrations.
• Growth opportunity - mentorship from senior engineers and a clear path to grow your impact.
• Transparent, supportive culture - feedback flows freely, the best ideas win, and you’ll have the freedom to experiment, learn, and grow.
  
  

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