---
title: 'Solution Architect (Remote - Work from Anywhere) at Xapo Bank'
canonical: 'https://feeny.ai/job/solution-architect-remote-work-from-anywhere-xapo-bank-gibraltar-0cdcf85re4kj'
type: 'job'
last_seen: '2026-09-10'
---

# Solution Architect (Remote - Work from Anywhere) at Xapo Bank

- **Company:** Xapo Bank
- **Location:** Gibraltar
- **Work type:** remote
- **Posted:** 2026-05-20
- **Last confirmed live:** 2026-09-10
- **Apply:** https://job-boards.greenhouse.io/xapo61/jobs/7734506003

## Job description

Work from anywhere, impact everywhere

Diversity is at the heart of who we are at Xapo Bank. We’re a fully distributed team of over 160 Xapiens that work remotely from 50+ countries around the world.

Our beginning: A world that enjoys economic freedom and wealth protection,no matter where you live or who is running your country. To achieve that, we search the world for the best people for the job. We work hard, think globally, and inspire each other to learn and grow. We are committed to changing the way things are done.

Although we are headquartered in Gibraltar, this is a full time, 100% remote position Work from anywhere!

Position overview

We’re looking for a Solution Architect to join our engineering function, reporting directly to the CTO. At Xapo, we are building truly cross-functional teams with full ownership of design, architecture, building, testing, delivery, data, and operations, structured as Stream Aligned Teams (SATs), Platform teams and Enabling teams as per Team Topologies. You will collaborate closely with engineering leaders and the SRE function, as well as fellow members of the product, apps, and design.

This is a deeply hands-on role. You will not sit on top of an ivory tower drawing boxes and arrows, you will write code, build production-grade Proofs of Concept and demonstrate what good looks like by example. You will own the Architectural Advice Forum (AAF), facilitating decentralised architectural decisions captured as ADRs without becoming a bottleneck or single point of approval.

You will be the CTO’s partner on AI strategy, drive standardisation across backend, web and mobile engineering, and work closely with our SRE team on reliability, observability and platform concerns.

This is an opportunity to shape how a regulated crypto bank designs, builds and operates software, having a real impact on how the future of finance looks.

## Responsibilities

- Own and facilitate the Architectural Advice Forum (AAF), driving decentralised decision-making that is captured as ADRs. The forum is yours, the challenge is expected, but you are not “single” approver of every architectural change, the goal is for decisions to be made as close to the teams doing the work as possible.
- Personally build production-grade Proofs of Concept to de-risk new patterns, validate architectural ideas and demonstrate “what good looks like” ahead of broader adoption.
- Partner with the CTO on Xapo’s AI strategy, identifying high-value opportunities, evaluating tooling, prototyping solutions and helping engineering teams adopt AI responsibly across the SDLC and our customer-facing products.
- Own cross-cutting standardisation across backend, web and mobile engineering, patterns, paradigms, observability, security, testing and delivery, so that quality and velocity scale together.
- Define and uphold the engineering quality bar across backend, web and mobile, covering testing, code review, observability, security, performance and production-readiness, and lead by example through your own POCs and code reviews
- Embed Security-First Architecture across everything we build. For a regulated crypto bank, security is not a checkbox or a separate workstream, it is the DNA of our products. You will set the threat-modelling, secure-by-default and defence-in-depth patterns that every team builds against, and partner with our Security function to evolve them as our risk surface grows.
- Champion Domain-Driven Design and Event-Driven Architecture as foundations for how we model our domain and evolve our systems.
- Work closely with the SRE team on reliability, capacity, incident response, observability and the evolution of our internal developer platform.
- Coach and mentor engineers across SATs, platform and enabling teams, leading through inspiration and influence rather than authority, and helping the whole organisation raise its architectural bar.
- Surface and unblock systemic technical risks, technical debt and cross-team dependencies before they hit production.
- Maintain Xapo’s engineering principles and Tech Radar, and contribute to architecture-relevant aspects of regulatory, security and risk conversations.
- Build a great place to work for talented and motivated people, and help develop innovative solutions with Bitcoin at their core.

## Skills needed

- 10+ years of software engineering experience, including 3+ years in an Architect, Staff or equivalent senior-IC role.
- A strong track record as a hands-on engineer-turned-architect: you still read, write and review production code regularly, and you enjoy doing so. The role is language-agnostic, we care how you think, not which language you write, though familiarity with our primary stack is a plus.
- Deep experience designing, building and operating distributed, event-driven systems in production, ideally at scale and under regulatory scrutiny.
- Hands-on experience with Domain-Driven Design, both strategic (bounded contexts, context mapping) and tactical patterns.
- Practical familiarity with decentralised architectural governance, Architectural Advice Forum, RFCs and ADRs, and a clear point of view on why architectural decisions should be made close to the teams doing the work.
- Demonstrated ability to lead by influence rather than authority: you have inspired engineers to adopt good practices because they wanted to, not because they were told to.
- Experience working in regulated fintech, payments or banking environments, with an appreciation for the constraints that come with serving customers’ money.
- Deep experience designing security-first architectures, threat modelling, secure-by-default patterns, defence in depth, identity, key and secret management, in environments where a breach has material business and regulatory consequences.
- A strong perspective on modern AI/ML, LLMs, agents and applied AI in production, and how to integrate them responsibly into engineering workflows and customer-facing products.
- Excellent written and verbal communication: you can write a crisp ADR, run an effective architecture review, present to engineers and explain trade-offs to non-technical stakeholders.
- Solid understanding of cloud-native architecture, microservices, container-based 12-factor apps and patterns around fault tolerance, security and resilience.
- Strong CI/CD, automated testing (unit, service and end-to-end) and overall SDLC practices.

## Nice to have

- Hands-on experience in crypto, Web3, custody or blockchain-based systems.
- Familiarity with Team Topologies and how Stream Aligned, Platform and Enabling teams interact in practice.
- Multi-platform standardisation experience spanning backend, web and mobile.
- Background contributing to SRE or platform engineering work, SLOs, error budgets, developer experience.
- Open-source contributions or external thought leadership (talks, articles, OSS projects).
- Familiarity with Python, a meaningful portion of our stack is in Python, so it helps you hit the ground running, but the role is language-agnostic.

Other requirements

- AWS as our cloud platform
- GCP as our data warehousing
- Containerised microservices
- A multi-language stack
- Based in or near a CET-compatible timezone
- A dedicated workspace
- A reliable internet connection with the fastest speed possible in your area
- Alignment with Our Values and the Xapo Values-Driven Leadership principles

Why work for Xapo?

Impact Globally, Work Remotely.

- Shape the Future Improve lives through cutting-edge technology, work 100% remotely from anywhere in the world.

- Great work-life balance Build amazing things with a balance of autonomy and collaborative teamwork. Set your own work schedule and make use of a flexible PTO plan when you need to recharge.

- Expect Excellence Collaborate, learn, and grow with a high-performance team. Learn how you learn best - from books to conferences, you’ll get a yearly budget for your individual learning and development goals.

At Xapo, we prioritize consumer protection and adhere to regulatory requirements by ensuring that all Xapiens are accountable for upholding principles of fair treatment, transparency, and ethical conduct in their interactions with customers and stakeholders.

## About Xapo Bank

## Company Overview
- **One-liner**: Xapo Bank is the world’s first fully regulated Bitcoin-enabled bank, integrating traditional banking with Bitcoin to let users secure, spend, and grow their wealth.
- **Entity Type**: Private (Series A)
- **Headquarters**: Gibraltar
- **Founded**: 2013 (founded as a Bitcoin wallet/custodian); 2014 (formal incorporation as a bank)
- **Founders**: Wences Casares (founder of Xapo; also founded Lemon Wallet and was an early Bitcoin advocate)

## Core Business
- **Primary Industry**: Financial Services (crypto-native banking, Bitcoin custody, fiat banking)
- **Target Customers**: B2C (individuals seeking to hold, spend, and earn interest on Bitcoin and USD), with a focus on high-net-worth and retail Bitcoin holders
- **Mission or Purpose**: "To provide our members with the best crypto-native banking experience that is secure, accessible and flexible. Because we believe that financial security is a right, not a privilege, and should be within reach of every individual."

## Products & Services
- **Xapo Bank Account**: A regulated bank account that combines a USD fiat account (with deposit guarantee up to GBP 120,000) with a Bitcoin wallet. Users can earn up to 4% APY on USD deposits and compounding returns in Bitcoin on both USD and BTC balances.
- **Bitcoin Custody & Vault**: Triple-layered security including underground vaults (physical), MPC (multi-party computation) technology, and tailored personal access. Bitcoin is held in a 1:1 reserve, segregated from corporate funds, and never rehypothecated.
- **Global Payments**: Send, spend, and receive money in major currencies (USD, EUR, GBP) 24/7 with no FX fees via international payment networks and blockchain rails.
- **Institutional Services**: Dedicated relationship managers, segregated custody, and transparency reports for high-net-worth individuals and institutional clients.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed (private company)
- **Key Metric**: Total Funding of **$40M** (Series A); annual revenue not publicly available
- **Notable Investors/Partners**: Greylock Partners (led Series A), with additional support from other venture investors; audited by a Big 4 firm; regulated by the Gibraltar Financial Services Commission (GFSC)
- **Growth Signals**: 110 employees (+7% YoY), operating in 38 countries, with a global remote workforce spanning 50+ countries. The company has been profitable and operational for over a decade (since 2013). Recent hiring for VP of Customer Success, Software Engineers, and Investment Manager indicates continued expansion.

## Competitive Advantages
- **First-Mover & Regulatory Moat**: The first Bitcoin-enabled bank to be fully regulated (GFSC) and compliant with AML/KYC standards, providing a clear legal framework for both fiat and digital assets.
- **Zero-Lending-Risk Model**: Bitcoin is held in a 1:1 reserve, never lent out or rehypothecated, removing fractional reserve risk.
- **Institutional-Grade Capitalization**: Ultra-conservative balance sheet with a Core Equity Tier 1 Capital Ratio of 1663% and a Liquidity Coverage Ratio of 167%, far exceeding international requirements.
- **Proven Security**: Over a decade of secure Bitcoin custody with no major breaches, combining physical vaults and advanced MPC technology.

## Strategic Focus
- **Deepening the Crypto-Native Banking Experience**: Integrating traditional banking rails (USD accounts, debit cards) with Bitcoin to make it a daily-use asset.
- **Global Expansion**: Operating in 38 countries and hiring across APAC, Europe, and the Americas to scale its member base.
- **Regulatory Leadership**: Maintaining and expanding its regulatory framework to set the standard for compliant crypto banking.
- **Product Innovation**: Adding features like designated beneficiaries, recurring buys, and enhanced yield products.

## Why Work Here
- **Fully Remote Culture**: Xapo was founded as a fully remote company and has been remote for 13+ years. Team members work from 50+ countries with a strong emphasis on autonomy and work-life balance.
- **Generous Time Off**: 35 days of paid time off per year, plus comprehensive sick, special, and parental leave.
- **Learning & Development**: Personalised yearly budget for courses, books, and conferences, plus annual performance and salary reviews.
- **Global, Diverse Team**: Over 160 "Xapiens" from 50+ countries, with a culture that values inclusivity, ethics, and collaboration.
- **High-Impact Work**: Opportunity to shape the future of finance at the intersection of traditional banking and Bitcoin, working on a product used by a global member base.
- **Interview Process**: Typically includes HR interview, peer interviews, a technical or business challenge, and a hiring manager interview, all conducted via Zoom/Google Meet.

## Sources
1. [xapobank.com - Careers Page](https://www.xapobank.com/en/careers)
2. [xapobank.com - Homepage](https://www.xapobank.com/en)
3. [xapobank.com - Compliance & Regulation](https://www.xapobank.com/en/company/compliance)
4. [LinkedIn - Xapo Bank Company Page](https://gi.linkedin.com/company/xapobankapp)
5. [Greenhouse - Xapo Bank Jobs](https://job-boards.greenhouse.io/xapo61/jobs/7692178003)

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