OnePay is an all-in-one financial platform driven by a simple mission: better money makes life better.
Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:
Checking and high-yield savings accounts
Domestic and international peer-to-peer payments
Credit Builder and credit score monitoring
Digital wallet / contactless payment solutions
Credit card program
Buy-now-pay-later installment loans at Walmart
Prepaid mobile service
Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry.
There’s never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us!
As a Backend Engineer on the Crypto team at OnePay, your work will help define how customers buy and hold digital assets safely within our financial ecosystem — ensuring every experience meets the same standard of trust, performance, and scalability as our core banking systems. You will:
Build and maintain backend services that enable our crypto product
Design APIs and event-driven architectures to handle high-volume transaction processing securely and efficiently
Partner with platform and infrastructure engineers to ensure scalability, observability, and resilience
Contribute to documentation, tooling, and best practices that raise the bar across our engineering organization
5+ years of professional experience in backend or distributed systems development
Proven success building production-grade APIs and financial services at scale
Proficiency in Node.js or similar modern backend frameworks (TypeScript, NestJS, Go, or Java)
Familiarity with cloud-native architecture (Kubernetes, AWS) and event-driven or microservice-based systems
Strong communication and collaboration skills across product and platform teams
Drive and proactivity – everyone here is a builder and executor
We use Node and TypeScript on the server, leveraging the NestJS framework within a microservice-oriented architecture running on Kubernetes and AWS. On the client side, we build and ship product features for iOS, Android, and web platforms using React Native. While you don’t need experience with our exact stack, familiarity with modern software engineering practices will help you ramp up quickly.
Competitive base salary, stock options, and health benefits from Day 1
401(k) plan with company match
Remote-friendly (US), flexible time off (FTO), and opportunities for growth
A high-growth, mission-driven, inclusive culture where your work has real impact
Initial Interview with Talent Partner
Technical or Hiring Manager Interview
Team Interview
Executive Interview
Offer!
To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.
We believe the future of financial services is meeting consumers where they already are — in their daily lives, workplaces, and communities nationwide. OnePay is an all-in-one financial platform already helping millions of consumers save, spend, borrow, and grow money. With fee-free banking, high-yield savings, overdraft protection, instant money transfers, cashback rewards, credit-building tools, and flexible borrowing options, OnePay gives consumers the tools they need to make real financial progress — all in one place.
In addition to its fast-growing consumer business, OnePay also serves employers, HCM providers, and gig platforms. Through its B2B financial wellness suite, OnePay consolidates savings, spending, and credit tools into one platform, complementing or unifying existing benefits to improve employee stability, engagement, and productivity.
Backed by Ribbit Capital and Walmart, OnePay has a 4.8★ app rating, is growing quickly, and is always looking for talented people to join our team. Learn more at www.onepay.com.
OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.
