Core Software Engineer

Founding / Full-Stack, BackendAbout AbleAble is building a stablecoin neobank. Users deposit USDT/USDC and spend it anywhere with a real card.We have already shipped a beta product end to end live, and we are now building our next card rail on non-custodial infrastructure. This role is for one of the first engineers on the team, working directly with the founder across the whole stack.Role OverviewWe are looking for a strong backend/full-stack engineer who can own money-critical infrastructure, vendor integrations, card-issuer APIs, non-custodial wallet flows, and production systems. This is a high-ownership role for someone comfortable working fast, solving unclear problems, and shipping real user-facing fintech infrastructure.ResponsibilitiesOwn and extend the backend: a TypeScript/Node API system handling auth, KYC orchestration, card provisioning, money movement, and webhooks against card-issuer APIs.Build future card rails by integrating non-custodial issuers with embedded wallets, including Privy, on-chain deposits across chains, USDC via CCTP, and reconciliation between on-chain funds and card spend.Work on money-critical code, including per-user integer ledger, idempotency, webhook deduplication, serialized wallet operations, monthly limits, sanctions, and geoblocking.Handle vendor integrations end to end, including request signing, payload encryption, KYC providers, OTP, 3DS challenge flows, and third-party APIs.Touch frontend surfaces when needed, including the React/Vite mobile-web app and Expo/React Native app.Own backend operations, including database, Vercel, CI, monitoring, secrets hygiene, and production incident debugging.Requirements5+ years building production backend or full-stack systems in TypeScript/Node.Experience with payments, fintech, banking, or card issuing is strongly preferred.Comfortable with money-movement invariants, including idempotency, double-entry thinking, race conditions, and reconciliation.Able to read vendor API documentation, identify where the docs are wrong, and still ship a working integration.Crypto literacy or strong willingness to learn, including EVM chains, ERC-20 transfers, wallet infrastructure, and bridging.Strong security mindset, including PAN handling and PCI boundaries, step-up authentication, least-privilege API surfaces, and KYC/AML awareness.Nice to HavePrior card-issuing integration experience.React Native experience.Experience taking a fintech product through compliance or production reviews with an issuing partner.How We WorkAble is small, fast, and high-trust. AI-assisted development is embraced. You will ship to production quickly and own real user-facing surfaces from the beginning.