---
title: 'Backend Engineer, AI at Rain'
canonical: 'https://feeny.ai/job/backend-engineer-ai-rain-new-york-5d38xrbqqk7m'
type: 'job'
last_seen: '2026-09-06'
---

# Backend Engineer, AI at Rain

- **Company:** Rain
- **Location:** New York, NY
- **Compensation:** $165k–$200k
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-03-24
- **Last confirmed live:** 2026-09-06
- **Apply:** https://jobs.ashbyhq.com/rain/2cef52c3-cd7a-42f2-9d86-3f13185ef205/application

**Skills:** Node.js, LLMs, Tool calling, Structured outputs, Prompt architecture, Retrieval patterns, API development, Data pipelines, Eval framework design, Fintech experience, Internal tool development, Platform systems

> Build and scale backend systems, APIs, and data pipelines for Rain's AI agents and internal infrastructure. Design AI-powered features, automate workflows, and collaborate closely with business stakeholders to ship new capabilities for customers and internal teams.

## Job description

## ABOUT THE COMPANY

Rain is the global stablecoin payments platform for enterprises, neobanks, platforms, developers, and AI agents. Our technology allows partners to move, store, and use stablecoins instantly and compliantly through global payment cards, rewards, on/offramps, wallets, and cross-border rails. As both a Visa and Mastercard Principal Member, Rain issues cards that work at more than 175 million merchant locations in over 220 countries and territories. Built natively for stablecoins and trusted by more than 100 organizations worldwide, Rain delivers secure, scalable infrastructure that makes money move freely and instantly around the world.

You will have the opportunity to deliver massive impact at a hypergrowth company backed by some of the top investors in fintech, crypto, and SaaS. In January 2026, we closed a $250M Series C led by ICONIQ, valuing Rain at $1.95B, with Sapphire Ventures, Dragonfly, Bessemer Venture Partners, Galaxy Ventures, FirstMark, Lightspeed, Norwest, and Endeavor Catalyst also participating. If you're curious, bold, and excited to help shape a borderless financial future, we'd love to talk.

## OUR ETHOS

We believe in an open and flat structure. You will be able to grow into the role that most aligns with your goals. Our team members at all levels have the freedom to explore ideas and impact the roadmap and vision of our company.

## ABOUT THE TEAM

You'll be one of the first engineers on Rain's new AI team. We're building from the ground up internal systems that make our operations smarter and customer-facing infrastructure at the intersection of AI agents, fintech, and stablecoins, including some of the first agentic payment systems in production. If you want to shape how AI gets built into a payments company, this is the role.

## WHAT YOU'LL DO

- Be a critical part of the technical and product roadmap
- Build and scale the backend systems, APIs, and data pipelines that power Rain
- Design and ship AI-powered features, agents, and automation into our core platform
- Build shared AI infrastructure: composable tool interfaces, eval frameworks, and permission-aware data access
- Rapidly ship new capabilities to our customers and internal teams
- Work embedded with the business, understand the workflows you're building for firsthand

## WHAT WE'RE LOOKING FOR

- Experience with Node.js and other backend technologies
- 1–3+ years building production systems that use LLMs, tool calling, structured outputs, prompt architecture, retrieval patterns
- A builder mentality, someone who experiments with side projects
- Comfortable with ambiguity, you can take a loosely defined problem, make decisions, and ship
- This position is for folks with 3–8+ years of experience, compensation will be based on experience

## NICE TO HAVE

- Eval framework design, building systematic ways to measure AI quality
- Fintech experience (neobank or card issuing experience gets extra brownie points)
- Experience building internal tools or platform systems at a growth-stage company

THINGS THAT ENABLE A FULFILLING, HEALTHY AND HAPPY EXPERIENCE AT RAIN:

Unlimited time off 🌴 Unlimited vacation can be daunting, so we require Rainmakers to take 10 days minimum for themselves.

Flexible working ☕ We support a flexible workplace – work from home, come into an office, or both. We want everyone to work in an environment where they're their most confident and productive selves. New Rainmakers receive a stipend to set up a comfortable home workspace.

Easy to access benefits 🧠 For US Rainmakers, we cover 95% of your health, dental, and vision plan costs and 90% for your dependents, plus a 100% company-subsidized life insurance plan.

Retirement goals💡 Plan for the future with confidence. We offer a 401(k) with a 4% company match.

Equity plan 📦 Every Rainmaker gets an equity option plan so we all benefit from our success.

Health and Wellness 📚 High performance begins from within. Rainmakers receive a monthly stipend to be used for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you!

In-office meals 🍜 Rainmakers working from the office enjoy lunch and dinner on us, covered with a DoorDash credit.

Team summits ✨ Summits play an important role at Rain. Time together helps us build relationships and a common destiny. Expect team and company offsites, both domestic and international.

## About Rain

## Core Business
- **Primary industries**: Financial Services, Payments, Stablecoin Infrastructure
- **Target customers**: B2B – enterprises, fintechs, platforms, and institutions needing compliant card programs and cross-border payment rails
- **Mission**: Build the infrastructure that turns stablecoins into usable financial products, enabling tokenized money to move at internet speed while delivering familiar user experiences

## Products & Services
- **Cards**: Launch prepaid or credit card programs (virtual and physical) powered by stablecoin infrastructure, accepted at 175M+ merchant locations worldwide. Includes scoped virtual cards for agentic payments.
- **Wallets**: Store stablecoins with flexible, secure setups; offer branded wallet-in-a-box for digital dollar access in underbanked regions.
- **Money Movement**: Send and receive fiat and stablecoin payments globally, with daily onchain settlement to card networks.
- **Accounts**: Virtual accounts with static routing details to send and receive funds.
- **Onramps/Offramps**: Convert fiat into stablecoins and stablecoins into local currency.
- **Rewards**: Card-native rewards programs that drive usage and revenue.
- **Agent Control Layer**: Guardrails for controlled agentic payments, allowing agents to spend and move money safely.

## Market Standing
- **Valuation**: $1.95 billion (as of Series C, January 2026)
- **Key Metric**: Total funding of $338M+ (Series C: $250M led by ICONIQ Capital, January 2026)
- **Notable Investors/Partners**: ICONIQ Capital, Lightspeed Venture Partners, Norwest Venture Partners, Sapphire Ventures, Dragonfly, Galaxy, Khosla Ventures, Coinbase Ventures, Circle Ventures, Uniswap, FirstMark, Vinyl, Thayer, BDMI, CompoSecure, Canonical Crypto, Hard Yaka, Samsung Next, Goldcrest Capital, Endeavor Catalyst, Mischief. Mastercard Principal Member and Visa Principal Member.
- **Growth Signals**: 107 employees (+421% YoY); operates in 12 countries; trusted by hundreds of partners moving billions in transaction volume annually; became a Mastercard Principal Member in 2026; launched Agent Control Layer.

## Competitive Advantages
- **Stablecoin-native by design**: Built from the ground up for onchain money movement, not legacy rails with crypto added later.
- **Daily onchain settlement**: Settles card transactions with networks daily using stablecoins, improving capital efficiency and speed.
- **Principal membership with Visa and Mastercard**: Direct issuing without intermediaries, enabling global acceptance and compliance.
- **Unified API**: Combines accounts, cards, ramps, rewards, and money movement in one platform, reducing vendor fragmentation.
- **Full-stack compliance**: Compliance, risk, and program operations built into the platform with hands-on support from design through launch.

## Strategic Focus
- **Geographic expansion**: Scaling stablecoin payment infrastructure to APAC and beyond, with existing presence in US, LATAM, EU, and EMEA.
- **Agentic payments**: Enabling controlled, autonomous spending through the Agent Control Layer for AI agents and automated workflows.
- **Deepening enterprise adoption**: Winning large institutions and platforms by offering a complete, compliant stablecoin payments stack.
- **Growing card programs**: Expanding prepaid and credit card issuance for global HNWIs, cross-border B2B payments, and branded wallet-in-a-box solutions.

## Why Work Here
- **Culture**: “Rainmakers” are described as bold builders shaping how money moves for the next generation. Emphasis on high performance, intentional investment in team, and long-term mindset.
- **Work model**: Hybrid setup with a Flatiron office (NYC) for local teammates; flexible remote options for other locations.
- **Perks**: Equity ownership for every team member; $1,000 home office stipend; $350/month wellness support (fitness, therapy, personal well-being); 95% of medical, dental, and vision premiums covered; unlimited PTO; 401(k) with matching; regular team events, offsites, and dinners.
- **Engineering culture**: Strong technical team (33% of staff in technical roles), modern stack (EVM, fullstack, Android), and opportunities to work on cutting-edge stablecoin infrastructure.

## Sources
1. [rain.xyz/careers](https://www.rain.xyz/careers)
2. [rain.xyz/](https://www.rain.xyz/)
3. [rain.xyz/about-us](https://www.rain.xyz/about-us)
4. [linkedin.com/company/rainxyz](https://www.linkedin.com/company/rainxyz)
5. [rain.xyz/media-kit](https://www.rain.xyz/media-kit)

## Other roles at Rain

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