Engineering Team at Apto

Apto is a leading-edge card issuance platform. We’re finding new ways to connect people to their assets by launching innovative, customer-centric card programs, like the first-ever bitcoin debit card.

Job Openings at Apto

Top Engineering Values

Each team is asked to select, explain, and rank their top 8 values in order of importance.
  • Customer Comes First

    We don’t engineer things for the sake of engineering.

    Everything we do is focused on our two customers: businesses and end users. We sell to businesses of all sizes such as Coinbase, Venmo, and Dwolla. That means we have to adapt to the customers’ needs. For example, with Coinbase, we were the first to develop a debit card linked to a Bitcoin wallet. We built an SDK for them to provide full wallet services and corresponding cards. Now, every time someone swipes a card linked to their Coinbase account, whether at the grocery store or online, our platform authorizes the transaction. We also offer APIs so customers can build this experience into their own existing app. To that end, we can create similar white-label offerings for debit cards on other platforms such as Venmo, or wherever there’s an account balance or wallet.

    When we first started, we operated more like a consultancy, building one-offs for each customer based on what they requested. In 2018, we transitioned into a product-focused company that delivers an asset-agnostic product which can be easily customized and tailored for each company and customer. We still maintain close relationships with our customers (both businesses and end users) to create the best possible experience.

  • Flexible Work Arrangements

    As long as goals are met, employees can work from wherever they want, whenever they want.

    We are very results-oriented and empower teammates to be fully responsible for their own work. Currently we have three teams based in San Francisco, Barcelona, and Lahore. However, we also have a few employees in L.A., our mobile lead is in Spain (but not Barcelona) and another Android developer works from Berlin. At the end of the day, we don’t have strict rules for when or where you get your work done, as long as goals are met.

    That’s why we make sure to coordinate with one another (over Slack and Zoom) so that we’re all on the same page. Engineers in each office have a daily 15-minute standup. There’s a lead and point person at each of our locations who helps communicate important messages to teammates at the other offices. We also have three 1-hour company meetings per week where all offices participate. These include an engineering-wide standup, a technical team meeting, and an implementation meeting (where we focus on customer-facing issues and updates).

    Ultimately, having offices around the world is a huge benefit. As our chief of staff Ben explains, "our distributed offices allow us to serve and react to our customers on a more global level. Apto's engineering teams are able to work collaboratively so development can happen 24/7."

  • Start-to-Finish Ownership

    We provide autonomy so long as the visibility and reporting is available.

    The two things we’d like to see from every task are ownership and estimated completion date. We do our best to leverage tools to ensure that everyone is aligned across teams, projects, and locations. Each of our teams use the tools that work best for them too – Lahore uses Trello while Barcelona uses Pivotal. We're a bit agnostic so long as everything is organized and tracked. :) We then coordinate between our three offices during our 15-minute daily standups.

    On the individual level, we provide a tremendous amount of autonomy, which means everyone is responsible for owning their work start-to-end. We define quarterly engineering goals. In Barcelona, we operate with 2-week sprints (scrum), in Pakistan we have 1-month sprints. In San Francisco, Matt is currently a one-man show and chooses his own schedule. (Though we’re excited for this to evolve as we bring on new engineering team members in SF!)

  • Flat Organization

    Our CEO, Meg, is available to meet with anyone and everyone.

    We believe everyone should have access to all team members, including our CEO. In fact, we expect our new hires to reach out to our CEO (and anyone else) to ask whatever questions they have. We pride ourselves on being open and friendly, and given how distributed we are, this openness is baked into how we work.

    Our meetings are always open and no topics are off limits. We encourage all opinions, concerns, and ideas to be shared – from our most recent hires to our more tenured employees. We don’t view our leads and points of contact among offices as managers, but rather facilitators of open communication.

    We plan to stay flat for as long as it works for our company. We’re currently 30 employees in total, with 18 being software engineers (7 of whom are based in Barcelona).

  • Committed to Personal Growth

    We want employees to vocalize their interests so we can provide the tools required to pursue them.

    If you have a strong interest in something, we want to hear about it. That way we can help give you the reins to bring your creative ideas to fruition and develop new skills in the process. We’re open to engineers working on projects they’re passionate about and want people to feel free to express their interests.

    We’re transparent in terms of where the business is, and given this information, we want individuals to contribute their ideas and solutions to the challenges we’re facing. For example, Alberto started as a backend engineer and has become our primary infrastructure engineer over the last year. This progression stemmed from a conversation about the infrastructure we wanted to build (microservices based backend and Continuous Deployment in place), and he stepped up and said, “I think I can figure out how to do this.” The rest is history.

  • Wears Many Hats

    At Apto, we lend a hand to work on any and all projects as needed.

    Apto is a platform with multiple components, which means engineers have the opportunity to be involved with various functions. These include:

    1. Core – the fundamental piece of transaction processing and card issuing.
    2. Experience – SDKs, this is layered on top of Core, and is how we communicate with our end users (APIs, messaging, notifications, and branding).
    3. Program Setup – compliance, bank program management, card manufacturers, interfacing with VISA and MasterCard.

    Similarly, as we grow the company, roles will naturally evolve to meet company needs. For example, Ivan started as an iOS lead and was the only person in Barcelona. As we scaled in Barcelona and grew the team there, Ivan became both a coordinator and manager. He now spends more time coordinating between offices. He still occasionally pushes PRs, but the majority of his focus is on strategy and supporting the other engineers at Apto.

  • EQ > IQ

    We are looking for people with positive attitudes and growth mindsets.

    While we prioritize technical ability, we will pass on candidates if they lack positive attitudes and a willingness to learn. One of our front end engineers, Pau, doesn’t have a CS degree. However, he has a tremendous growth mindset and interest in learning new things. We preferred Pau to other candidates who had a stronger technical background because of this.

    Since we’re spread across various locations and time zones, clear communication is crucial. In our interview process we look at how candidates communicate and express their ideas. We want folks who aren’t waiting to be told what to do, but instead see opportunities and grab them.

  • Fast-Paced Environment

    We have to be agile and able to reprioritize quickly.

    There are many external factors, not just engineering, that influence our roadmap, and we will always prioritize what the platform or customer needs. Quite often, those requests change on short notice and we need to reprioritize appropriately. It’s a competitive market, so we have to perform efficiently and be agile.

    We’re growing rapidly; we’ve launched in the US, Japan, and most recently in the UK. We’re also planning to launch in the rest of the EU, Australia, and Canada, which means new businesses and new banks in each of these locations. With every passing day, we’re becoming more of a product company. While we have long-term roadmaps, our week-to-week sprints get adjusted regularly.


  • Customer Comes First
  • Flexible Work Arrangements
  • Start-to-Finish Ownership
  • Flat Organization
  • Committed to Personal Growth
  • Wears Many Hats
  • EQ > IQ
  • Fast-Paced Environment

Company Properties

  • B2B

Team Members

  • 3 Backend Developers
  • 3 Mobile Developers
  • 1 Product Manager

Vacation Policy

Unlimited PTO. We know everyone has a life outside of work, please enjoy it! We encourage transparency so everyone knows when they should and shouldn’t bother you.

Tech Stack

AWS (ECS, ECR, EC2, S3, Cloudwatch…), Docker, Ruby (Sinatra), Python, Postgresql, Mysql, Swift, Kotlin, Sentry, Jenkins, React.js

Interview Process

Our interview process in Barcelona has three steps. First, there’s a 30-min initial technical screen/call. Second, there’s a take home that can be completed in a week. If those first two steps are a fit, we’ll invite the candidate to the office for a two- to three-hour onsite to whiteboard. English is required.