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
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