Product Lead, Crypto

About OnePay OnePay is a consumer financial services app with an exceedingly simple mission: to help people achieve financial progress.

Tens of millions of Americans today are unbanked or underbanked, meaning they don’t have enough money in savings to cover a minor emergency. They pay too much in fees, don’t have access to credit at affordable rates, and have little ability to grow their wealth. OnePay’s vision is to create a single app for consumers to save, spend, borrow, and grow their money, bringing our mission to life with simple and accessible banking, credit, and payments products that deliver a best-in-class experience to millions of customers. Our products include:

Checking and high-yield savings accounts Domestic and international peer-to-peer payments Credit Builder and credit score monitoring Digital wallet / contactless payment solutions Credit card program Buy-now-pay-later installment loans at Walmart Prepaid mobile service Why do we have a right to win? We have the backing of Walmart (a Fortune 1) and Ribbit Capital (a preeminent fintech investor), are deeply embedded with the distribution of the world’s largest omnichannel retailer, and have an industry-leading multi-product value proposition — all in addition to having some of the best people and talent in the industry. There’s never been a better time to build a category-defining business and there has rarely been a team better positioned for the opportunity. Join us! The Role We’re hiring a Product Lead to own our crypto infrastructure and consumer experiences. This role will drive the development of core wallet capabilities, stablecoin integrations, on/off-ramps, and seamless access to on-chain features that deliver real utility to users—not just novelty. You’ll be responsible for shaping product direction and leading execution for crypto-enabled financial experiences within our core app. This includes working with vendors, protocol partners, and internal teams to ensure we’re building fast, global, cost-efficient systems that work at scale. This role sits at the intersection of infrastructure and application. We’re not looking for a protocol engineer or platform PM—we need someone who understands the technical stack but is focused on user experience and business value. What You’ll Do Own the product vision and roadmap for wallet infrastructure, crypto rails, and remittance flows. Partner with engineering to define transaction architecture—on-chain, off-chain, or hybrid. Evaluate where to abstract blockchain complexity, balancing user simplicity with transparency. Shape our wallet architecture, including balance models, custody approach, and ledger design. Partner with design on core wallet UX—funding, transfers, and transaction visibility. Align strategy across product, rewards, AI, and infra teams to deliver a unified experience. You Bring 10+ years of product experience with deep domain expertise in crypto or payment infrastructure. Strong technical fluency across the crypto stack: ledgers, custody, stablecoins, liquidity, and L2 scaling. Proven record shipping 0→1 infrastructure or financial products at scale. Ability to clearly articulate tradeoffs among speed, security, compliance, and cost. Strategic judgment on when to build foundational systems versus visible product features. Drive and proactivity – everyone here is a builder and executor. Standard Interview Process Initial Interview with Talent Partner Technical or Hiring Manager Interview Team Interview Executive Interview Offer! Equal Employment Opportunity To build technology and products that are used and loved by people and solve real-world problems, we need to build a team with many different perspectives and experiences. We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. We encourage candidates from all backgrounds to apply. Applicants in need of special assistance or accommodation during the interview process or in accessing our website may contact us at talent@onepay.com.