Golang Engineer (Card Payments)

About BIT:

BIT (formerly Matrixport) is a global digital asset financial services and infrastructure group. Headquartered in Singapore and founded in 2019, BIT bridges traditional finance and digital assets through governance-driven financial services and technology.

The firm manages over US$7 billion in assets and facilitates more than US$7 billion in monthly trading volume. BIT offers services including custody, trading, asset and wealth management, liquidity and financing solutions, and tokenised real-world assets (RWA), serving institutional and professional investors globally.

BIT Group entities maintain a licensed and regulated footprint across Singapore, Hong Kong, Switzerland, the United Kingdom, the United States and Bhutan.

For more information, visit www.bit.com

Why Join Us:

At BIT, we tackle complex problems as a team. We encourage openness and promote transparency, respect, and inclusivity. Every team member is valued and has a voice that can be heard. We are always in search of intellectually curious and entrepreneurial individuals who are keen on making an impact in the crypto ecosystem and in building a better product for the next one billion users.

Job Responsibilities:

• Core Business Development: Responsible for Golang backend development of the company's card payment and card issuing systems, including but not limited to card issuance, card accounts, authorization, clearing & settlement, transaction processing, billing, rewards/benefits, and other related business modules.
• Card Transaction Lifecycle: Participate in the design and development of the end-to-end card transaction lifecycle, with a solid understanding of and hands-on experience with core transaction flows such as Authorization, Reversal, Capture, Refund, and Reconciliation.
• Architecture Design & Optimization: Participate in system architecture design, legacy system analysis and migration, continuous iteration and performance optimization, ensuring high availability, strong consistency, and stability of financial systems.
• Technical Problem Solving: Identify and resolve technical challenges and system bottlenecks, improve system throughput and response time, and ensure fund security and data accuracy under high-concurrency transaction scenarios.
• Engineering Quality: Maintain high-quality technical documentation, enforce code quality standards, conduct Code Reviews, and develop unit and integration test cases.

Job Requirements:

• Bachelor's degree or above in Computer Science or a related field, with 3+ years of experience in Golang and/or Java development.
• Hands-on experience in card issuing systems, card payment systems, or card transaction processing systems; directly relevant experience is highly preferred.
• Basic understanding of crypto fundamentals and how crypto systems operate; experience in crypto trading or payments is a plus.
• Strong proficiency in Golang and/or Java, with a solid understanding of concurrent programming. Proficient in Linux and possessing a strong foundation in data structures. Familiarity with Kubernetes (K8s), computer networking, and related technologies.
• Strong proficiency in MySQL, with the ability to perform SQL performance tuning. Proficient in Redis and other caching technologies, with a good understanding of common solutions for cache breakdown, cache penetration, and cache avalanche.
• Familiar with microservices architecture and proficient in gRPC and Protobuf. Understanding of microservice governance, including service registration and discovery, circuit breaking, rate limiting, and distributed tracing.
• Familiar with containerization technologies such as Docker and Kubernetes, as well as CI/CD processes.
• Proficient in tools such as Claude Code and Codex, with the ability to integrate AI into daily development workflows to improve efficiency and create valuable, reusable workflows.

Preferred:

• Experience in risk control/fraud prevention for Crypto Card or payment applications is preferred.
• Experience developing systems for licensed card issuers, acquiring institutions, third-party payment providers, or Card Processors.
• Familiarity with ISO 8583 / ISO 20022 messaging, or experience integrating with card networks or card-issuing partners.
• Experience with crypto deposits/withdrawals, Crypto Cards, or fiat on/off-ramp products and business processes.
• Familiarity with PCI-DSS and other payment compliance and security standards.
• Experience building payment systems from 0 to 1 or migrating core payment systems.

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