Staff Software Engineer – Backend (Consumer, Wallet & Commerce)

Bolt is on a mission to democratize commerce. We relentlessly prioritize our retailers—putting their brands front and center while enabling frictionless shopping at any touchpoint in the customer journey. At the center of it all is our rapidly growing universal shopper network—Bolt merchants such as Revolve, Lily Pulitzer, Kendra Scott, Lucky Brand Jeans, and Jonny Was can access tens of millions of shoppers, offering them a best-in-class checkout. And revolutionizing ecommerce is only half of the equation—we're also transforming the way we work. At Bolt, we have created a work environment where people learn to drive impact, take risks and make big bets, and grow from feedback, all while feeling welcomed and accepted for who they are. Come join us on the adventure today! About Bolt & Super App: Bolt is the fintech powerhouse democratizing commerce. With our Super App, we're building a universal shopper network that integrates seamless shopping, embedded finance, real‑time payments, crypto wallets, and personalized agentic shopping experiences—all under one roof. About This Role: As a Staff Backend Engineer on our Consumer Engineering team, you'll own scalable and resilient back-end components powering the Bolt Super App. You'll lead the development of wallet infrastructure (on‑ramps, off‑ramps, P2P transfers), manage stablecoins and crypto rails, and enable intelligent, proactive "agentic" shopping workflows. What You'll Own:

• Design and implement backend services enabling:
• * Universal wallet infrastructure: multi-currency wallets, KYC/AML compliance, secure ledgering, minting/burning stablecoins.
• Crypto on‑ramps/off‑ramps, P2P transfers, blockchain-routed settlement.
• Payment acquisition and routing (cards, crypto rails), reconciliation and settlement.
• Build distributed systems with 99.999% uptime and low latency.
• Collaborate with banks, PSPs, stablecoin issuers, blockchain node providers.
• Lead architectural decisions spanning wallet, commerce, crypto, and agentic‑shopping services.
• Integrate fraud, compliance, risk scoring (for both fiat and crypto).
• Partner with frontend, infra, and data teams to enable richer, more intelligent shopping flows.
• Mentor backend engineers and help define best practices for wallet and crypto services.

Who You Are:

• 8+ years backend experience in Go/Java/Kotlin/Rust (or similar).
• 2+ years in Staff+ roles at a fintech or crypto startup.
• Deep knowledge of payments and wallet infrastructure (card networks, ISO 8583, PCI, tokenization).
• Experience designing ledger systems with consistency, reliability, reconciliation.
• Hands-on experience building crypto or stablecoin rails, blockchain integration is a plus.
• Experience enabling "agentic" shopping—building APIs for assisted/personalized purchase journeys.
• Strong understanding of distributed systems, event-driven architecture, microservices.

Nice to Have:

• Worked with PayFac, network-tokenization, or stablecoin protocols.
• Familiar with KYC/AML workflows or blockchain compliance tools.
• Built intelligent recommendation or agentic shopping logic.
• Open-source contributions in crypto, payments, or commerce infra.

Why Join Bolt: Join us at this pivotal moment—help us build the Super App that revolutionizes commerce and finance. Lead end-to-end infrastructure development that touches millions of users, merchants, and wallets. Thrive in a remote-first environment that values risk-taking, feedback, and learning. Please download and explore the Bolt Super App prior to interview—our consumer experience is at the heart of everything we build!

• iOS
• Android

Estimated Cash Compensation for this role: $200,000-$225,000 depending on experience, plus equity Check out our Engineering Blog! Benefits:

• Comprehensive health coverage: Medical, dental and vision
• Remote-first workplace
• Time away: Minimum of 20 days guaranteed PTO, paid holidays + floating holidays, your birthday off!
• Paid parental leave
• Competitive Pay
• Retirement plans
• Virtual and in-person team & company events

In addition to our core values, Bolt is proud to be an equal opportunity workplace. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity and expression, genetic information, pregnancy and related conditions, veteran status or any other reason prohibited by law. On our mission to democratize commerce, the Bolt platform levels the playing field for everyone. As a company, we are committed to designing products, building a culture, and supporting a team that reflects the diverse population we serve (that is, everyone). Apply Job! Apply to this Job