About xPay
xPay is a Y Combinator backed international payments company trusted by enterprises across India and Southeast Asia, including public companies and several consumer brands you likely use every day.
These businesses are increasingly moving their international volumes from billion dollar giants like Stripe, PayPal, and Razorpay to xPay as we expand our footprint across 180+ countries and support 25+ currencies. Since January, we have grown 73× and now process over 1 million transactions every month.
While we have begun with inward remittances, our mission ultimately is to disrupt every cross border payment thread in a market that moves more than $200 trillion annually.
The Role
As our Founding Legal Counsel, you’ll shape the legal foundations of a fast scaling fintech, work directly with the founders, and drive high leverage decisions across compliance, contracts, licensing, risk, and international expansion.
This is a pivotal role for someone who wants ownership, speed, and the chance to architect a legal function from day zero.
Eligibility
4 to 8 years of legal experience
Background in payments or fintech
Qualified legal professional
Strong negotiation and contract drafting skills
Bonus: Early stage startup experience
Big bonus: Familiarity with US and UK cross border payment laws
Based in Bangalore, or ready to relocate
What you will do
Lead all legal and compliance initiatives across India, US, UK, EU, and GCC operations
Draft, review, and negotiate MSAs, commercial agreements, partner contracts, and cross border compliance docs
Work closely with Business, Finance, Compliance, and Product to unblock merchant onboarding and international launches
Build frameworks around KYB, AML, escrow, dispute handling, and risk policies
Interface with external counsels, global partners, regulators, and payment institutions
Set up internal legal processes, templates, and best practices for a high velocity environment
Partner with founders on strategic matters including new markets, banking relationships, and entity structuring
Why Join
You will be the single most important legal voice in a company scaling across continents. Your work will directly influence revenue, risk, merchant trust, and the speed at which xPay enters new markets. If you want to build instead of follow, this is your seat.