Backend Engineer

As a Backend Engineer at Coins, you lead the architectural design and end-to-end development of the core cross-border payment platform. Coins is the most established crypto brand in the Philippines, trusted by more than 18 million users, and fully regulated by the Bangko Sentral ng Pilipinas (BSP) as the first crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank.

What you'll do

• Lead the architectural design, end-to-end development, and performance optimization of the core cross-border payment platform, spearheading technical implementations across the full payment lifecycle including acquiring, clearing, settlement, and ledger accounting.
• Architect robust anti-fund-loss frameworks by deeply analyzing transaction risks, design and deploy automated reconciliation engines, sophisticated exception-handling systems, and continuous fund audits to structurally eliminate financial leaks and capital exposure.
• Spearhead integrations with international payment rails, banking channels, local payment methods (LPMs), and major credit card networks, architecting configurations to seamlessly handle complex cross-border variables including localized compliance, dynamic exchange rates (FX), and multi-currency settlement.
• Continuously optimize system infrastructure to guarantee high availability, low latency, and operational efficiency, solving critical distributed system challenges involving massive concurrency, distributed transactions, and strict data consistency.
• Partner closely with risk management, corporate finance, compliance, and product teams to drive continuous improvements in payment system stability, security, and financial compliance.

What you bring

• 5+ years of professional, hands-on Java development experience, with at least 2+ years dedicated to technical architecture and distributed system design.
• At least 2+ years of specialized experience building and maintaining payment infrastructure, with deep proficiency in the core logic, architecture, and transaction flows of cross-border payment platforms.
• A proven track record serving as the lead developer or architect for the end-to-end lifecycle of a core payment platform covering acquiring, clearing, or settlement.
• A strong understanding of capital protection frameworks, with practical experience diagnosing fund-loss incidents or designing automated mitigation systems such as high-speed reconciliation engines or fund audits.
• Excellent communication skills with a strong sense of ownership, accountability, and a proactive approach to technical problem-solving.

Nice to have

• Prior experience handling integrations with international payment rails, banking APIs, localized payment methods (LPMs), and credit card networks.

About Coins

Coins is the most established crypto brand in the Philippines, trusted by more than 18 million users through its easy-to-use mobile app for buying, selling, and accessing a wide range of financial services. It is fully regulated by the Bangko Sentral ng Pilipinas (BSP) and the first crypto-based company in Asia to hold both Virtual Currency and Electronic Money Issuer licenses from a central bank.