Full-Time
Software Engineer
Core Financial Platform
Updated on 7/23/2026
Basic Capital
11-50 employees
Leverage-based retirement investment platform
Compensation Overview
$180k - $275k/yr
New York, NY, USA
In Person
On-site in New York, New York; remote work not offered.
 Software Engineering (1) |
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- Strong experience with modern backend frameworks, API design, and event-driven systems
- Strong architecture design and problem-solving skills
- Proficiency in any of the following: Kotlin, Rust, Java, Go, C/C++, Python, Ruby, or TypeScript
- Experience working with MySQL or PostgreSQL
- Experience with modern build systems and cloud infrastructure (AWS, GCP, Azure)
- Join an elite team of engineers responsible for building systems that facilitate trading and money movement
- Build and maintain core trading, financing, and fund management systems
- Design and architect systems that orchestrate and reconciles complex flows of funds
- Participate in architecture discussions, planning, and code reviews across the stack
- Experience building trading systems, lending systems, and asset management systems
- Experience in fintech or early-stage technology companies
- Experience working in Kotlin backends
- Experience with Temporal for asynchronous workflow orchestration
Basic Capital provides retirement financing for 401(k) and IRA plans by adding supplemental capital to every user contribution, creating a 5x levered investment base that is invested in diversified ETFs and bonds. The platform handles IRA and LLC setup, financing, and portfolio management with no credit checks, enabling long-term growth while including protections against margin risks. It differentiates itself by combining employer-focused 401(k) solutions with individual IRA financing and by managing the whole process to simplify leveraged retirement investing. Its goal is to democratize access to wealth-building tools and expand retirement savings through leveraged investing while mitigating typical margin risks.
Company Size
11-50
Company Stage
Series A
Total Funding
$25M
Headquarters
New York
Founded
2021
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Simplify's Take
What believers are saying
- Employer adoption can rise as benefits teams seek stronger recruitment and retention tools.
- Jake Eigner’s ERISA and Goldman Sachs background strengthens regulatory execution for larger plans.
- VanEck partnership expands access to regulated digital-asset products inside retirement accounts.
What critics are saying
- ERISA and Department of Labor scrutiny can delay sales and force product redesign.
- Leverage inside retirement accounts creates reputational risk after market losses or complaints.
- Capital-intensive financing requires strong growth; weak adoption squeezes runway and pricing.
What makes Basic Capital unique
- Offers $4 financing for every $1 contributed, creating 5x investing power.
- Bundles 401(k), IRA, financing, LLC formation, and portfolio management in one platform.
- Targets employers with a differentiated retention tool and employees with long-term leverage.
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