Full-Time
Senior Staff Software Engineer
Crypto
Updated on 9/4/2026
Nubank
10,001+ employees
Digital bank offering credit cards
No salary listed
Palo Alto, CA, USA
Hybrid
Hybrid work is required in Palo Alto.
 Software Engineering (1) |
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- Deep, hands-on technical expertise in blockchain and crypto systems, including protocols, on-chain data, custody, signing and key management, wallets, asset movement, or smart contracts.
- A sustained record of Staff+ level technical leadership with impact spanning multiple teams or domains.
- Demonstrated ability to translate deep protocol and technical understanding into customer-facing product decisions and business outcomes, not just architecture.
- Experience leading highly complex, ambiguous, security-critical initiatives requiring both technical depth and cross-functional judgment.
- Ability to reason about business models, product strategy, and market positioning alongside technical tradeoffs.
- Ability to influence engineering leaders, product leaders, security, risk, and compliance stakeholders without formal authority.
- A strong record of mentoring senior and staff engineers and raising the quality of technical and product decision-making around them.
- Exceptional communication skills, with the ability to build alignment across technical and business audiences in high-stakes environments.
- Set multi-year technical and product direction for crypto systems, grounded in expertise in blockchain protocols, on-chain data, custody, signing, and smart-contract integrations.
- Partner with product and business leaders to define crypto experiences, weighing technical feasibility, security posture, customer value, and business strategy.
- Lead the architecture of consequential, security-critical crypto capabilities while remaining hands-on in key technical and protocol-level decisions.
- Translate technical understanding of blockchain systems into concrete product capabilities and customer-facing features.
- Anticipate scalability, reliability, security, and regulatory challenges specific to crypto and blockchain systems, and set standards across teams.
- Drive complex initiatives across team and organizational boundaries, building alignment among engineering, product, business, risk, and compliance stakeholders.
- Provide technical leadership through major security incidents or production events involving crypto infrastructure, and translate lessons into lasting improvements.
- Mentor Staff+ engineers and engineering leaders and serve as a technical reference point on crypto and blockchain systems.
- Experience shaping product or business strategy for crypto or digital-asset offerings beyond technical architecture.
- Experience across multiple blockchain networks or protocol families.
- Experience with HSMs, secure enclaves, or hardware-backed key-management infrastructure.
- Experience in regulated banking, fintech, payments, or institutional digital assets.
- Recognition as a technical reference in crypto, blockchain security, or distributed systems.
Nubank is a digital bank in Latin America that offers financial services mainly through its mobile app, including credit cards, personal loans, and digital payment solutions for individuals and small businesses. Customers access and manage products through the app, with loans earning interest and merchants paying transaction fees; the bank aims to minimize or eliminate fees and provide a simple, transparent user experience. Nubank’s products work by delivering credit and payment services online, with revenue coming from interest on loans, card interchange fees, and premium services. The company differentiates itself through a strong focus on a no-fee, user-friendly digital experience, scale across Brazil, Mexico, and Colombia, and technology-driven operations that emphasize accessibility and transparency. Its goal is to simplify banking, expand access to financial services, and become a leading, trusted financial platform in Latin America.
Company Size
10,001+
Company Stage
IPO
Headquarters
São Paulo, Brazil
Founded
2013
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Simplify's Take
What believers are saying
- Nu posted $1.06 billion net income in Q2 2026, its first billion-dollar quarter.
- Mexico launched in August 2026, making Nubank the country’s largest digital bank.
- Risk-adjusted net interest margin hit 12.4% in Q2 2026 and management called it sustainable.
What critics are saying
- Brazil’s Federal District sued Nubank on July 10, 2026 over revolving-credit charges.
- Brazil Central Bank still must approve Banco Porto Real before Nubank keeps its banking name.
- U.S. OCC approval still requires FDIC and Federal Reserve clearance before launch.
What makes Nubank unique
- Nubank served 139 million customers by July 2026 across Brazil, Mexico, and Colombia.
- NuFormer handled over 60% of Brazil support chats in August 2026.
- Nubank’s servicing cost stayed near $1 per customer despite rapid expansion.
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Benefits
Company Equity
Meal Benefits
Commuter Benefits
Wellness Program
Mental Health Support
Legal Services
Life Insurance
Health Insurance
Dental Insurance
Training Programs
Parental Leave
Childcare Support
Family Planning Benefits
Home Office Stipend
Gym Membership
Paid Vacation
Relocation Assistance
Hybrid Work Options
401(k) Retirement Plan
Health Savings Account/Flexible Spending Account
Growth & Insights and Company News
6 month growth
↑ 0%1 year growth
↓ -1%2 year growth
↓ -1%Ethena launched avalanche-based neobank with cashback and savings interest rate. * Ethena is moving into consumer finance. * The project has launched an Avalanche-based neobank with 5% cashback and a 6% savings rate. * The issuer of the USDe stablecoin is trying to compete with Revolut and Nubank. The Ethena team announced the launch of Ethena Pay - a global neobank that combines stablecoin payments, savings, and transfers in a single app. Introducing @EthenaPay: the internet money neobank. | Card spend cashback at 5.0% | Best-in-class 6.0% dollar savings rate | Borderless, free, instant global money transfers | Free global onramps in USD, GBP, EUR and local FX | Multi-currency high-rewards savings accounts in... https://t.co/d76b1Gul4V pic.twitter.com/1gpw7zS2cZ - Ethena (@ethena) September 1, 2026 The service is already available to download on iOS and lets users store, send, and spend USDe, earning up to 5% cashback on card spending and a stated 6% rate on dollar savings. Avalanche said that Ethena Pay is built specifically on its blockchain, which is used as the infrastructure for the service's operations. BREAKING: Digital dollar giant @ethena launches global Neobank, built exclusively on Avalanche Ethena Pay brings everyday banking onchain, with Avalanche powering the rails behind it. Save, send and spend USDe anywhere in the world, directly from your phone. Ethena already has... pic.twitter.com/lrfWY2Jtme - Avalanche | (@avax) September 1, 2026 What Ethena Pay offers. Ethena positions the product as an internet neobank designed to bring together traditional financial features with stablecoin infrastructure. The stated capabilities include: * 5% cashback on card spending * 6% rate on dollar savings * Free instant international transfers * Top-ups in USD, GBP, EUR, and local currencies * Multi-currency savings accounts with rewards * IBAN integration with non-custodial stablecoin accounts * The ability to spend savings rewards on everyday purchases via the Buy Now Pay Never feature The company emphasizes that the service is already live, not just at the announcement stage. Ethena already operates at significant scale in crypto infrastructure. According to Avalanche, USDe is used as the primary collateral for Robinhood's crypto earn product, and Ethena is integrated with BlackRock's Aladdin platform, which manages roughly $25 trillion in assets. Ethena's products are also available on more than 100 platforms and protocols. Ethena shifts from infrastructure to the end user. Blockworks researcher with a nickname 0xcarlosg (Carlos) called Ethena's move into consumer finance one of the most interesting directions in the development of crypto neobanks. In his view, stablecoin neobanks have an edge because they can combine dollar access, international transfers, yield-bearing balances, and everyday payments from day one. "Ethena enters this market with a major advantage: through USDe and sUSDe, it already owns the underlying dollar and yield layer," he noted. Carlos also pointed to Ethena's strategy shift. Previously, the company distributed its products via Robinhood, Telegram, and other integrations, but it is now trying to directly control the relationship with the end user. "That path is much harder, but the prize is far larger," the researcher wrote. In his estimate, if successful, the winners in this segment could grow into multi-billion-dollar companies that expand far beyond crypto. He compared the potential outcome to Nubank or Revolut - a platform that becomes the primary financial service for millions of users on stablecoin infrastructure. He named cards as one of the key user acquisition channels. Tracked monthly spending volume on crypto cards reached $1.1 billion in August, up nearly 200% year over year. Tommy Shaughnessy, Delphi Digital co-founder, also praised the launch of Ethena Pay, highlighting the combination of 5% cashback, a 6% savings rate, and a global multi-currency card. "Ethena team operate at categorically a different level. An internet native neobank with 5% cashback, a 6% savings rate with a card that is global, borderless and multi-currency. This is extremely disruptive for the status quo and returns a ton of value back to consumers globally," he said. At the same time, Jay Lee, Liquid Capital researcher, drew attention to the product's legal structure. According to him, Ethena describes the yield as a "discretionary promotion" rather than interest, and the terms allow the company to reduce or fully discontinue the boosted rewards. "The rate is high because the claim on it is weak. That is the price of staying unlicensed," he noted. Ethena Pay is launching after the company has already attracted significant institutional attention to its ecosystem. In September 2025, the investment arm of UAE-based M2 Holdings - M2 Capital Limited - invested $20 million in the ENA token. In June 2026, Ethena also announced a strategic partnership with Coinbase, under which its products were set to gain access to the crypto exchange's audience of more than 100 million users. Published: 02.09.2026
Nubank reported first-quarter revenues of $5.32 billion, up 57.6% year on year and exceeding analyst expectations by 48.9%. The digital banking platform, which serves over 100 million customers across Brazil, Mexico, and Colombia, delivered the largest analyst estimate beat among nine personal loan stocks tracked. The company's shares rose 12.3% following the results and currently trade at $14.52. Overall, the personal loan sector showed strong performance in the first quarter, with revenues beating consensus estimates by 9.3% as a group. Affirm also performed well, reporting revenues of $1.17 billion, up 33% year on year and surpassing expectations by 5.2%. However, its stock declined 5.5% post-earnings to $74.27. On average, personal loan stocks have fallen 4.1% since their latest earnings releases.
FinTech sector. Last updated: September 1, 2026 About FinTech. There are 196K companies in the FinTech sector across the world, with 40.2K funded companies having collectively raised $946B in venture capital money and private equity. Overall 16.4K of these are Series A+ funded and the sector has seen the creation of 445 Unicorns. FinTech sector has seen 7.88K acquisition s and 1.8K IPOs. This represents almost 4.9% of all such companies - which is higher than the 4.3% exit rate of tech companies in general. This sector includes companies providing tech-enabled financial services and IT infrastructure and software for offering and managing financial services. FinTech sector is also known as BFSI Tech. Companies included in FinTech sector. Companies providing tech solutions to provide financial services like lending, banking, fundraising, insurance, etc. Companies excluded in FinTech sector. Companies offering traditional financial services like Banks, NBFCs, Insurance Carriers, etc. Key Metrics Total Companies Top Companies Total Funding Funded Companies Series A+ Companies Series C+ Companies Unicorns Created Acquisitions Also known as Market map of FinTech. The market map of FinTech gives a visual overview of the sector, showing key business models, their interactions in the value chain, and industry evolution. Reports related to FinTech. Here is a report related to FinTech sector: Top Companies in FinTech. There are more than 196K companies in FinTech. Nubank is the top FinTech company globally, ranked using Tracxn Score (what's this?). Here are 5 of the top FinTech companies globally: | Company | Description | Location | Founded | Current Stage | Private Funding Raised | | Nubank | Provider of digital banking services, including credit cards and accounts | Sao Paulo (Brazil) | 2013 | Public | $2.27B | | Circle | Cross-border payment solution for businesses focusing on cryptocurrency | Boston (United States) | 2013 | Public | $1.51B | | Robinhood | Broker-based online trading and investment platform | Menlo Park (United States) | 2013 | Public | $5.73B | | Grab | Operator of a platform providing ride-hailing, food delivery, and payment services | Singapore (Singapore) | 2012 | Public | $10.4B | | Groww | Provider of digital brokerage services for stocks and mutual funds | Bengaluru (India) | 2016 | Public | $596M | Companies founded year-on-year in the FinTech sector. 3,714 new startups have been founded so far in 2026 in the FinTech sector. 19,307 FinTech startups were founded in 2021 - this is the most number of startups founded in any year in the last 10 years. | Year | No. of companies | | 2026 | 3,714 | | 2025 | 3,688 | | 2024 | 6,506 | | 2023 | 11,430 | | 2022 | 13,564 | | 2021 | 19,307 | | 2020 | 14,943 | | 2019 | 14,084 | | 2018 | 15,238 | | 2017 | 11,542 | Companies founded across countries in the FinTech sector. United States has 52,412 FinTech startups, the most by any country, followed by United Kingdom which has 18,961 startups and India which has 17,700. | Country | No. of companies | | United States | 52,412 | | United Kingdom | 18,961 | | India | 17,700 | | Canada | 5,820 | | Australia | 4,793 | | China | 4,601 | | Germany | 4,464 | | Singapore | 3,946 | | France | 3,094 | | Brazil | 2,865 | Stage-wise distribution of the FinTech sector. Out of the total 196,109 FinTech companies, 40,223 have secured funding. Among them, 16,378 have reached Series A or higher, and 12,524 to Series B or beyond. Founded - 196,109 Funded - 40,223 Series A+ - 16,378 Series B+ - 12,524 Series C+ - 10,957 | Company Stage | No. of companies | | Founded | 196,109 | | Funded | 40,223 | | Series A+ | 16,378 | | Series B+ | 12,524 | | Series C+ | 10,957 | Want to know more about FinTech? Signup and explore Tracxn for free * 196K+ Total Companies * $946B+ Total Funding * 40.2K+ Funded Companies * 1.8K+ IPOs * 7.9K+ Acquisitions * 1.1K+ Reports Funding Trends in the FinTech sector. Total funding year-on-year in the FinTech sector. The FinTech sector saw a total funding of more than $801B in the last 10 years. The most amount of funding was in 2021 at more than $174B. There has been a total funding of $43.2B in 2026 till date. | Year | Total Funding | | 2026 | $43.2B | | 2025 | $71.3B | | 2024 | $55.4B | | 2023 | $68.2B | | 2022 | $118B | | 2021 | $174B | | 2020 | $65.1B | | 2019 | $75.8B | | 2018 | $82.3B | | 2017 | $47.7B | Total funding across countries in the FinTech sector. In the last 10 years, FinTech startups in United States have recieved the highest funding among all countries - $362B. United Kingdom follows with $100B and China with $41.4B. | Country | Total Funding | | United States | $362B | | United Kingdom | $100B | | China | $41.4B | | India | $36.3B | | Singapore | $26.3B | | Canada | $25.5B | | France | $17.4B | | Brazil | $16.8B | | Germany | $16.6B | | Australia | $13.7B | Total funding amount raised by stage in the FinTech sector. Over the last 10 years, the FinTech sector have seen $33.8B into Seed Stage funding rounds, $181B into Early Stage funding rounds and $292B go into Late Stage funding rounds. | Funding Stage | Total Funding | | Late Stage | $292B | | Debt | $200B | | Early Stage | $181B | | Post IPO | $39.1B | | Seed Stage | $33.8B | | ICO | $12.1B | | PE | $9.75B | | Grant | $1.87B | | Other-Equity | $498M | Recent funding rounds in FinTech. In the year 2026, till September 2026, FinTech companies have raised $29.9B in equity funding across 1.31K rounds. In the same period last year (i.e. till September 2025), FinTech companies had raised $31.7B across 2K rounds. So, 2026 has seen a 5.77% drop in funding in FinTech companies as compared to 2025. Here are some recent, important funding rounds in FinTech: | Company | Round Raised | Amount Raised | Funding Date | Investors | | Paytner | Series D | 2270 | Sep 01, 2026 | Incubate Fund and 10 more | | Odyssey Energy Solutions | Series B | 9122 | Sep 01, 2026 | Broadscale Group and 9 more | | Growwmf | Series B | 2618 | Aug 31, 2026 | State Street Global Advisors | | Ajaib | Series C | 1571 | Aug 28, 2026 | SBI Group | | Pluggy Technologies | Series A | 1091 | Aug 27, 2026 | DGF and 2 more | Y Combinator is the top investor in FinTech companies based on number of companies invested. Here are some top investors in FinTech: M&A activity in FinTech. In the year 2026, till August 2026, 348 acquisitions happened in FinTech sector. Last year, in 2025, a total of 738 acquisitions happened in FinTech sector. Here are some recent, important acquisitions in FinTech: | Company | Acquisition Type | Acquisition Date | Acquirers | | Trustpair | Business Acquisition | Aug 26, 2026 | Basware | | Altruist | Business Acquisition | Aug 26, 2026 | Vanguard | | At-Bay | Business Acquisition | Aug 20, 2026 | Munich Re | | BankWyse | Business Acquisition | Aug 19, 2026 | Data Vault | | Truv | Business Acquisition | Aug 18, 2026 | Checkr | Here are the acquisition trends in FinTech: | Year | No. of companies | | 2026 | 348 | | 2025 | 738 | | 2024 | 698 | | 2023 | 651 | | 2022 | 868 | | 2021 | 997 | | 2020 | 595 | | 2019 | 571 | | 2018 | 597 | | 2017 | 493 | IPOs in FinTech. In the year 2026, till September 2026, 21 IPOs happened in FinTech sector. Here are some recent, important IPOs in FinTech: | Company | IPO Date | Exchange Symbol | | Pelican | Sep 01, 2026 | Canadian Securities Exchange (CSE) | | Augmont | Aug 31, 2026 | Bombay Stock Exchange (BSE), National Stock Exchange (NSE) | | Monvia | Jul 24, 2026 | Australian Securities Exchange (ASX) | | Reconova | Jul 08, 2026 | Hong Kong Exchanges (HKG) | | Baige Online | Jun 29, 2026 | Hong Kong Exchanges (HKG) | Colleges which produce the most FinTech companies. Companies founded by alumni from top colleges in the FinTech sector. Most number of FinTech startups have been founded by alumni from Stanford University, Harvard University and University of Pennsylvania. | College | No. of companies | | Stanford University | 703 | | Harvard University | 624 | | University of Pennsylvania | 440 | | Massachusetts Institute of Technology | 425 | | Harvard Business School | 393 | | University of California (Berkeley) | 366 | | Columbia University | 321 | | University of Oxford | 314 | | University of Cambridge | 299 | | IIT Delhi | 292 | Total funding in companies founded by alumni from top colleges in the the FinTech sector. In the last 10 years, Stanford University graduates' FinTech companies have raised the most funding among top colleges. Harvard University alumni are second, and Stanford Business School alumni are third. | College | Total Funding | | Stanford University | $62.1B | | Harvard University | $50.4B | | Stanford Business School | $33.2B | | Harvard Business School | $31.6B | | Massachusetts Institute of Technology | $31.1B | | University of Chicago | $22.3B | | University of California (Los Angeles) | $20.9B | | University of California (Berkeley) | $20.1B | | Wharton School | $19.9B | | University of Pennsylvania | $19.5B |
Nubank is Brazil's 2nd most valuable brand, according to Kantar BrandZ. The highest riser in the ranking, Nubank climbed three positions after increasing its brand value by 162% to US$12 billion Aug 25, 2026 São Paulo, August 25 - Nubank ranked second in the Kantar BrandZ Top 50 Most Valuable Brazilian Brands 2026, becoming one of the most valuable brands in Brazil. It was also the brand that advanced the most in the ranking, climbing three positions after a 162% increase in brand value, which reached US$12 billion. "A brand with Nubank's scale can only remain relevant by intentionally investing in understanding customers' behaviors, journeys, and needs, walking alongside them through the different stages of life. It is this care that makes people fall in love with our brand - a recognition that directly reflects a business model built on simplicity, transparency, and respect," says Juliana Roschel, Nubank's Vice President of Marketing & Growth. The result highlights the strength of a strategy built on customer-centric innovation, meaningful differentiation and experiences that foster a genuine relationship with consumers. The ranking also shows how brands that combine relevance and visibility can turn brand value into business growth. Nubank's evolution in the ranking reflects the progress of a brand that, since its founding, has worked to simplify people's financial lives and offer more transparent, accessible and relevant experiences. The report highlights that high-growth brands, including Nubank, are strengthening their positions by offering propositions and experiences that consumers perceive as genuinely different. The 2026 edition of the ranking captures the views of more than 118,199 consumers on 1,663 brands across 144 categories. Together, the brands included in the ranking reached a combined value of US$101 billion.
Nu Holdings, a leading digital banking platform in Latin America, added 4 million customers last quarter, bringing its total to 139 million users. The fintech company, with a $71 billion market capitalisation, reported second-quarter revenue of $5.9 billion, up 39% year over year on a currency-neutral basis. Monthly average revenue per active customer increased 22% year over year to $17.10. Net income surged 49% to nearly $1.1 billion, exceeding $1 billion for the first time, with a net profit margin of 18.1%. Nu's deposit base grew from $18 billion in Q2 2023 to $45.3 billion. The company serves large unbanked and underbanked populations across Latin America, with 35% of its Mexican customers never having had a bank account previously.