Senior Engineer

Company Description

Aetherum (aetherum.ai) is building B2B crypto-collateralized lending infrastructure purpose-built for NCUA-regulated U.S. credit unions. We give credit unions the tools to offer crypto-backed loans to their members — with AI-powered underwriting, on-chain compliance, and institutional-grade custody architecture that keeps assets in the credit union's direct control. 5 patents pending. Live platform. Active partnerships. We're solving a problem no one else is built to solve.

Role Description

This is a foundational Senior Engineer role based in the San Francisco Bay Area (hybrid). You won't be joining a large team — you'll be the engineer who helps take Aetherum to its production ready MVP deployment. That means owning real architecture decisions, working directly with the founder, and building on a live platform with paying infrastructure partners already in place.

What You'll Own

• NestJS/TypeScript backend and React frontend (you're extending, not starting)
• On-chain compliance architecture (ERC-3643, Solidity, Sepolia → mainnet path)
• Crypto collateral architecture across multiple asset types including XRP and stablecoins — with custody rails that keep assets in the credit union's direct control
• AI-powered underwriting pipeline (Python microservices)
• Infrastructure decisions you'll defend to regulators and investors

The IP You'll Be Building On

5 patents pending across the core of what makes Aetherum defensible:

• DACS™ — proprietary risk assessment model scoring crypto-collateralized loan eligibility across 10 pillars, purpose-built for NCUA-regulated environments
• FHE-DACS — Fully Homomorphic Encryption layer enabling privacy-preserving risk scoring without exposing member financial data
• DACS-Driven Dynamic LTV — on-chain enforcement of per-member loan-to-value ceilings derived from DACS scores, written to the blockchain at origination
• ERC-3643 CUMember On-Chain Identity — compliance module tying credit union membership, jurisdiction, and KYC status to an on-chain identity standard built for institutional lending
• TPSOE/DACS Methodology — the underlying scoring and optimization engine

This isn't a crypto app with a compliance checkbox. The compliance architecture is the product — and you'll be the engineer who extends and defends it.

Qualifications

• 7+ years full-stack engineering, with at least 2 in Web3/blockchain
• Proficiency in TypeScript, NestJS, React, Python, and Solidity
• Experience shipping in regulated fintech, crypto infrastructure, or B2B SaaS
• Familiarity with MongoDB, Redis, and API-first architecture
• Strong understanding of on-chain identity, compliance modules, and smart contract security
• The kind of engineer who asks "why" before writing a line of code
• Remote / Based in the San Francisco Bay Area

What This Is

This is an early-stage, equity-heavy role. If you want a big salary and zero ambiguity, this isn't it. If you want to own the technical direction of a company solving a real problem in a space no one has cracked yet — let's talk. www.aetherum.ai

📩 Apply: AetherumDev@aetherum.ai