Software Engineer Intern, Finance Primitives (Summer 2026)

At Ripple, we’re building a world where value moves like information does today. It’s big, it’s bold, and we’re already doing it. Through our crypto solutions for financial institutions, businesses, governments and developers, we are improving the global financial system and creating greater economic fairness and opportunity for more people, in more places around the world. And we get to do the best work of our career and grow our skills surrounded by colleagues who have our backs.

If you’re ready to see your impact and unlock incredible career growth opportunities, join us, and build real world value.

THE WORK

At Ripple, we’re building a world where value moves like information does today. It’s big, it’s bold, and we’re already doing it. Through our crypto solutions for financial institutions, businesses, governments and developers, we are improving the global financial system and creating greater economic fairness and opportunity for more people, in more places around the world. And we get to do the best work of our career and grow our skills surrounded by colleagues who have our backs.

If you’re ready to see your impact and unlock incredible career growth opportunities, join us, and build real world value.

The Finance Primitives (FP) team is the engineering backbone of Ripple’s financial operations. We are responsible for building the reusable, atomic financial infrastructure—such as the Canonical Ledger, Wallets, Bank/Crypto Connectivity, and Transaction services—that power all of Ripple's products (Payments, Stablecoin, Custody, etc.). We address fragmentation by turning duplicated efforts into leverage, enabling the entire company to build faster and maintain less.

We are seeking a high-potential Software Engineer Intern to join our team and contribute directly to our high priority initiatives to scale product impact by directly improving operational efficiency. Unlike a designated intern project, you will be embedded as a full member of the team, tackling real-time challenges that impact the operational stability and financial accuracy of the entire business.

This is a high-stakes, high-learning opportunity where you will gain end-to-end experience:

• •Backend and Systems Engineering: Writing production-grade code for high-reliability systems, focusing on operational automation, data integrity, and API development.
• •Full Development Lifecycle: Working on features from design and architecture review through implementation, testing, and deployment (CI/CD).
• •Operational Excellence: Contributing to the maintenance and evolution of our core systems that manage fiat connectivity and asset movements.

WHAT YOU'LL DO

• •Work on P0 projects alongside senior engineers, addressing the most critical needs in banking abstraction, ledger reconciliation, or unified connectivity.
• •Gain familiarity with the core mechanics of payment processing, financial event logging, and multi-asset management in a real-time environment.
• •Improve engineering and operational efficiency by applying automation to manual Finance Operations workflows.
• •Contribute to the strategic goal of establishing Ripple's Canonical Financial Record.
• •Receive mentorship while working with multiple components of the FP platform (backend, some frontend exposure, CI/CD).

WHAT YOU'LL BRING

• •Currently pursuing an Undergraduate or Graduate degree in Computer Science, Engineering, or a related technical field.
• •Available to work for 12 weeks during Summer 2026, beginning in May or June.
• •Intent to return to degree-program after the completion of the internship.
• •Demonstrated understanding of core data structures, algorithms, and object-oriented programming.
• •Familiarity with at least one of the following backend languages: Java, Go, or Python.
• •Experience with microservices, relational databases (SQL).
• •Exposure to Cloud platforms (AWS/GCP) and CI/CD concepts.
• •Prior experience (academic projects or previous internships) in building scalable backend services.
• •A strong interest in FinTech, distributed systems, and solving complex, high-reliability problems.

For positions that will be based in CA, the hourly range for this position is below. Actual rates may vary based on numerous factors including, among other things, an individual applicant’s experience and qualifications for the position. This range does not include equity or additional compensation, such as bonuses or commissions.

CA Hourly Rate Range

$45—$50.50 USD

WHO WE ARE

Do Your Best Work

• •The opportunity to build in a fast-paced start-up environment with experienced industry leaders
• •A learning environment where you can dive deep into the latest technologies and make an impact. A professional development budget to support other modes of learning.
• •Thrive in an environment where no matter what race, ethnicity, gender, origin, or culture they identify with, every employee is a respected, valued, and empowered part of the team.
• •In-office collaboration for moments that matter is important to our culture, and we give managers and teams the flexibility to decide which 10+ days a month they come in.
• •Bi-weekly all-company meeting - business updates and ask me anything style discussion with our Leadership Team
• •We come together for moments that matter which include team offsites, team bonding activities, happy hours and more!

Take Control of Your Finances

• •Competitive salary, bonuses, and equity
• •Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support
• •Employee giving match
• •Mobile phone stipend

Take Care of Yourself

• •R&R days so you can rest and recharge
• •Generous wellness reimbursement and weekly onsite & virtual programming
• •Generous vacation policy - work with your manager to take time off when you need it
• •Industry-leading parental leave policies. Family planning benefits.
• •Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events

Benefits listed above are for full-time employees.

Ripple is an Equal Opportunity Employer. We’re committed to building a diverse and inclusive team. We do not discriminate against qualified employees or applicants because of race, color, religion, gender identity, sex, sexual identity, pregnancy, national origin, ancestry, citizenship, age, marital status, physical disability, mental disability, medical condition, military status, or any other characteristic protected by local law or ordinance.

Please find our UK/EU Applicant Privacy Notice and our California Applicant Privacy Notice for reference.