Senior Backend Payments Engineer

10+ years as a Backend engineer, with a decade in PHP (Laravel daily 2021-2024), plus Python and Node. Experienced in cross-border payments (P2P, 3-D Secure, multi-country card and local rails) in a regulated environment. Builds and runs 24+ live data-API products on Apify and RapidAPI with 1,000 users and 99.9% uptime, solo from spec to production to support. Develops AI-first using Claude Code and Cursor. Comfortable owning things end to end and working async. Seeking remote backend or payments roles (fintech, crypto payments, iGaming). Open to relocation with visa sponsorship. Prefers take-home tasks over live-coding.