Beam provides a unified payments infrastructure that routes transactions across multiple fiat rails and stablecoin networks via a single RESTful API and a no‑code dashboard. The platform offers real‑time routing, built‑in KYC/KYB and AML compliance, and dynamic fee optimization, enabling fintechs, payment service providers, banks, and corporate treasury teams to move money faster, cheaper, and with bank‑grade security.
Funding
$7M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Businesses that need to move money across multiple payment rails face high latency, elevated transaction fees, and complex compliance requirements, which together impede cash flow efficiency and increase operational overhead. Traditional legacy systems often lack the flexibility to integrate both fiat and stablecoin settlements, limiting scalability for modern fintech and payment service providers.
Solution
Beam delivers a unified payments infrastructure that abstracts fiat and stablecoin settlement into a single, programmable layer. By exposing a centralized Hub and a RESTful API, the platform enables real‑time routing across RTP, FedNow, same‑day ACH, push‑to‑card, wire, and other networks while maintaining end‑to‑end compliance. Stablecoin integration provides near‑instant settlement and reduced liquidity costs, and the system’s built‑in KYC/KYB, AML, watchlist screening, and SAR reporting automate regulatory obligations. Clients can manage workflows through a no‑code dashboard or embed the API into treasury, payout, or on‑chain banking applications, achieving faster liquidity, lower fees, and bank‑grade security.
Target Audience
Primary customers are payment service providers, fintech platforms, banks, enterprise wallets, remittance and FX platforms, and corporate treasury teams that require high‑speed, low‑cost, and compliant money movement across both fiat and digital assets.
Features
- Multi‑rail routing engine supporting RTP, FedNow, Same‑Day ACH, Push‑to‑Card, Wire, and cross‑border FX pathways
- Stablecoin settlement layer that provides sub‑second finality and minimizes working‑capital requirements
- Fully managed compliance stack: real‑time KYC/KYB verification, AML monitoring, watchlist screening, and SAR generation for both on‑chain and off‑chain transactions
- RESTful API and SDKs for seamless integration into treasury, payout, and on‑chain banking workflows
- No‑code Hub dashboard for rapid onboarding, transaction monitoring, and custom rule configuration
- SOC 2 Type II certification, FinCEN MSB registration, and partnership with OCC‑chartered banks and licensed US custodians for bank‑grade security
- Dynamic fee optimization engine that selects the lowest‑cost rail based on transaction size, speed, and destination
- Embedded services for enterprise wallets, remittance platforms, and FX providers, enabling white‑label payment experiences