Software Engineer

About MoonPay

MoonPay is for builders with something to prove.

This isn't a "work on cool crypto stuff" company. It's a high-standards, high-velocity, high-accountability company building the operating system for value movement. If the internet moves information, we move value: crypto, stablecoins, tokenized assets, and whatever comes next. Four offerings make that real: fund, tokenize, trade, and spend. 30M+ customers and 500+ ecosystem partners run on us. Licensed in the U.S. Regulated across the UK, EU, Canada, and Australia.

AI is the default operating mode here. It's woven into every role, and we expect you to use it daily. It handles the manual work so you can deliver on what actually matters.

You'll thrive here if outcomes excite you more than process, if impact motivates you more than titles, and if you want hard problems, real ownership, and teammates who love winning, building, and doing it together.

The bar is high. The pace is real. We're building for what's next, for humans and agents.

Recent recognition: Forbes' America's Best Startup Employers 2026 . 2nd in Crypto Services on Fortune's inaugural Crypto 100. The Sunday Times Best Places to Work two years running.

Research has shown that women are less likely than men to apply for this role if they do not have experience in 100% of these areas. Please know that this list is indicative, and that we would still love to hear from you even if you feel that you are only a 75% match. Skills can be learned, diversity cannot.

About The Opportunity

PayBox is one of MoonPay’s newest products. It enables people to transact directly through AI, connecting agents with payments, wallets and applications without requiring users to hand over their underlying credentials.

We launched PayBox recently and saw strong initial traction. Now we’re building the next phase.

There are multiple major product tracks underway: expanding PayBox across AI platforms, building peer-to-peer payment experiences, integrating with DeFi applications, growing our plugin ecosystem and significantly improving the end-to-end product experience.

We’re looking for an exceptional Staff Software Engineer to help own PayBox and take it through this next stage.

You’ll work closely with our Chief Engineer and a small, highly focused team. This is much closer to a founding engineer role than a traditional Staff engineering position. You’ll be expected to identify what matters, reason through difficult problems, make decisions and take areas of the product from idea through to production.

That could mean designing and building an entirely new PayBox capability one week and obsessing over the details of an onboarding flow the next. We care equally about ambitious technical problems and the less glamorous work required to make a product great.

We’re not looking for a specific technology or domain background. You don’t need previous crypto or MCP experience. We’re looking for an exceptional generalist engineer who can learn quickly, think independently, build end-to-end and deeply cares about what they ship.

What You Will Do

• Own significant areas of PayBox end-to-end, from identifying the problem and defining the approach through to building, shipping and iterating in production.
• Help take a recently launched product through its next phase of 0→1 development and growth.
• Build new payment and peer-to-peer transfer experiences designed for AI interfaces.
• Build integrations across AI platforms, applications and the wider PayBox ecosystem.
• Help develop the infrastructure and product experiences required to bring new applications and integrations onto PayBox.
• Work closely with Product to turn ambitious ideas into simple, usable experiences.
• Sweat the details of the PayBox experience — particularly onboarding and UX — and fix the friction that prevents users from successfully using the product.
• Reason from first principles about difficult technical and product problems, making pragmatic decisions without waiting for perfect information.
• Move across different parts of the product and technical stack depending on where the highest-impact problem is.
• Use AI extensively to increase your speed and output while maintaining your own technical reasoning, judgement and attention to detail.

About You

We’re deliberately not defining the ideal candidate by a particular technology stack or domain.

There are three things we care deeply about: technical ability, motivation and thoroughness. We’re looking for someone exceptional across all three.

Must-have Experience And Skills

• Exceptional technical reasoning. You have strong engineering fundamentals and can break down unfamiliar, ambiguous problems and reason towards good solutions.
• High agency. You don’t wait for perfectly defined requirements or someone else to identify what needs doing. You find important problems and take responsibility for solving them.
• End-to-end ownership. You’ve built and shipped meaningful products, projects or systems from beginning to end rather than operating within a narrowly defined area.
• Thoroughness. You care deeply about the quality of your work and sweat details others might overlook. Getting something working is the beginning, not the end.
• Strong systems thinking. You can design systems, understand technical trade-offs and make sensible architectural decisions while moving quickly.
• Product judgement. You understand that great engineering includes the experience around the technology, not just the underlying implementation.
• Comfort with ambiguity. You’re at your best in environments where there are more problems than people and priorities can change quickly.
• Independent thinking in an AI-native environment. You use AI aggressively as a tool, but you don’t outsource your reasoning to it. You understand the output, challenge it and remain accountable for what you ship.
• Deep motivation. You want ownership and responsibility and care about the outcome of the product, not simply completing the work assigned to you.

Nice-to-have Experience

• Experience as a founding engineer or early engineer at a high-growth startup.
• Experience founding and building your own company or product.
• Experience taking a product from an idea through launch and subsequent iteration.
• Experience operating in small, highly autonomous engineering teams.

Bonus Points

• Experience building AI-native products, agents or developer tooling.
• Experience with payments, fintech, crypto or DeFi.
• Previous experience with MCP or other emerging agent protocols.

None of these are prerequisites. We care considerably more about how you think, what you’ve built, how you operate and how much you care about the quality of your work.

Benefits & Perks

• Competitive salary package
• Equity package: financial freedom starts with our employees, so all employees have ownership at MoonPay
• Pay-for-performance equity bonus: those who drive outsized outcomes receive outsized rewards
• Moonshot award: we honor exceptional impact. 10 employees twice a year, each earning a $250,000 equity grant
• Pension: employer contributions from day one
• Employee referral program: refer great people, earn 10K in USDC
• Flexible Time Off: choose when to work and when to switch off
• Birthday leave: take the day off to celebrate you
• Enhanced parental leave: more time with family, no second thought
• Hybrid working schedule: work fully remotely or from your nearest Moonbase
• Commuter benefits: public transport to and from the office
• Private healthcare benefits: to protect you and your loved ones
• Wellhub wellness membership: access to gyms, studios, classes, and wellness apps in one membership
• Unlimited enterprise access to the latest AI tools: Claude, ChatGPT, Gemini and whatever's next
• Lunch credit: meals covered on the days you're in the office
• Home office setup allowance: build the home office of your dreams
• Remote working allowance: those working fully remotely get a little extra for utilities
• Monthly product budget and zero-fee crypto transactions
• $1,000 Annual training budget: we support your learning journey
• High Potential Program: structured development, mentorship, and stretch opportunities
• Regular remote company offsites: high-impact in-person sessions and hackathons
• (Ireland) Cycle to Work scheme: tax-efficient bike, gear, and safety kit
• (UK) EV Salary Sacrifice: lease an electric vehicle through pre-tax salary

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.