CTO for Crypto-Fiat Wallet Platform

emcd • Cyprus
Remote
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AI Summary

We are looking for a CTO to define technical strategy, lead engineering execution, and scale a high-performance product used by millions of users. The ideal candidate will have 7+ years in engineering leadership and experience building and scaling consumer fintech or crypto products. The CTO will be responsible for leading a cross-functional engineering organization and ensuring platform meets global security, compliance, and reliability standards.

Key Highlights
Define technical strategy and lead engineering execution
Scale systems for onboarding, payments, custody, swaps, and Web3 assets
Lead AI adoption across product: personalization, fraud detection, financial insights, support automation
Key Responsibilities
Own end-to-end technical vision and architecture of a crypto-fiat wallet platform
Scale systems for onboarding, payments, custody, swaps, and Web3 assets
Lead AI adoption across product: personalization, fraud detection, financial insights, support automation
Build and lead a cross-functional engineering organization (backend, mobile, DevOps, data, security)
Ensure platform meets global security, compliance (AML/KYC, PCI DSS, GDPR) and reliability standards
Drive integrations with banks, PSPs, blockchain networks, and custodians
Establish engineering standards, delivery processes, and platform scalability
Technical Skills Required
Distributed systems Payments Wallet infrastructure Crypto custody Multi-chain systems Transaction flows AI/ML features LLMs AI agents Personalization systems
Benefits & Perks
Opportunity to build a next-generation AI-powered financial platform
High autonomy and direct influence on product and company direction
Fast-scaling global engineering environment
Nice to Have
Deep understanding of AML/KYC, PCI DSS, GDPR compliance
Experience with LLMs, AI agents, or personalization systems
Background in high-scale mobile-first platforms
Experience in regulated fintech or Web3 companies

Job Description


About The Role

Coinhold / Wallet is a consumer-facing neo-banking and crypto wallet platform serving users at scale. We are building a secure, AI-native financial ecosystem bridging crypto and fiat.

We are looking for a CTO to define technical strategy, lead engineering execution, and scale a high-performance product used by millions of users.

Location: Remote

What You Will Do

  • Own end-to-end technical vision and architecture of a crypto-fiat wallet platform
  • Scale systems for onboarding, payments, custody, swaps, and Web3 assets
  • Lead AI adoption across product: personalization, fraud detection, financial insights, support automation
  • Build and lead a cross-functional engineering organization (backend, mobile, DevOps, data, security)
  • Ensure platform meets global security, compliance (AML/KYC, PCI DSS, GDPR) and reliability standards
  • Drive integrations with banks, PSPs, blockchain networks, and custodians
  • Establish engineering standards, delivery processes, and platform scalability


What We're Looking For

  • 7+ years in engineering leadership (CTO / VP Engineering / Head of Engineering)
  • Experience building and scaling consumer fintech or crypto products
  • Strong background in distributed systems, payments, or wallet infrastructure
  • Hands-on experience with crypto custody, multi-chain systems, and transaction flows
  • Proven ability to scale engineering teams (20+ people)
  • Experience delivering AI/ML features in production


Strong Plus

  • Deep understanding of AML/KYC, PCI DSS, GDPR compliance
  • Experience with LLMs, AI agents, or personalization systems
  • Background in high-scale mobile-first platforms
  • Experience in regulated fintech or Web3 companies


What We Offer

  • Opportunity to build a next-generation AI-powered financial platform
  • High autonomy and direct influence on product and company direction
  • Fast-scaling global engineering environment
  • Strong ownership culture and executive-level impact
  • Remote-first company - work from anywhere in the world
  • Fully flexible working hours
  • Extended time off: 20 paid vacation days + 12 bonus days per year
  • 100% paid sick leave
  • Real impact and ownership in fintech & crypto projects
  • Corporate benefits: EMCD product discounts and mining infrastructure access

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