Beam Cash

Beam Cash was created to address a major gap in modern financial infrastructure: small and medium-sized businesses are often left behind by outdated systems that prioritize only the largest institutions. Beam Cash is reimagining what payments infrastructure can be—affordable, fast, secure, and available to businesses of all sizes. Developed by M-Cubed Labs, Beam is registered with FinCEN as a Money Services Business (MSB) and operates in compliance with stringent U.S. regulatory frameworks, offering the assurance of safety and oversight.

At its core, Beam is a full-stack payments solution that provides access to both stablecoin liquidity and fiat settlement capabilities. Businesses can use Beam Hub—a no-code command center—to manage transactions, generate real-time insights, automate recurring payments, and streamline fund movement through stablecoins, ACH, wire transfers, RTP, FedNow, and push-to-card technologies. The hub provides a complete overview of financial activity, all within a single interface, enabling greater control and visibility.

For developers and enterprises with specific integration needs, Beam offers a highly capable Payments API that supports custom payment flows between digital and traditional currencies. The API is designed for fast integration, enabling businesses to embed secure, compliant payment functionality into their systems with minimal disruption. With features such as programmable currency conversion, transaction tracking, and compliance checks baked in, businesses gain full control of their financial workflows.

Businesses can also take advantage of white-label payment infrastructure provided by Beam, allowing them to offer branded payment services to their customers without the burden of maintaining backend technology or regulatory compliance. Beam handles everything—from stablecoin settlements and currency conversions to KYC/AML, watchlist screening, and transaction monitoring. With backing from top-tier investors like Archetype, Castle Island Ventures, and Arca, and trusted by companies such as Coachella, Buenbit, and Felix Pago, Beam Cash has already powered over $250M in transactions worldwide.

Its nearest competitors include Circle, Ramp Network, and Transak. However, Beam differentiates itself by offering an integrated suite of tools for both crypto-native and traditional financial institutions, with enterprise-ready compliance and developer-first features, all accessible from a unified platform.

Beam Cash provides numerous benefits and features that make it a leading choice for modern business payment solutions:

• Hybrid Payments Infrastructure: Combine the power of stablecoins with traditional banking systems to reduce transaction time and cost.
• Beam Hub Dashboard: A no-code interface that lets businesses manage, automate, and monitor transactions in real time across multiple currencies and rails.
• Custom API for Developers: Easily integrate crypto and fiat conversion workflows with Beam’s developer-friendly Payments API.
• White-Label Solution: Launch branded payment services while Beam handles all backend operations and regulatory compliance.
• Enterprise-Grade Security: SOC 2 Type II and PCI compliant with strong encryption, fraud detection, and data protection protocols.
• Regulatory Confidence: Fully registered with FinCEN, Beam partners with licensed U.S. custodians and banks to ensure regulatory adherence.
• Comprehensive Compliance Tools: Integrated KYC/KYB, AML monitoring, watchlist screening, and SAR reporting built into the platform.
• Global Transaction Capabilities: Support for cross-border payouts using RTP, FedNow, ACH, and more, making Beam ideal for businesses with international clients.

Getting started with Beam Cash is fast and flexible, allowing businesses of any size to scale with ease:

• Sign Up: Complete a business onboarding form through Beam Cash and get verified quickly with their streamlined KYC/KYB process.
• Access Beam Hub: Log into your dashboard to begin moving between stablecoins and fiat currencies. Connect your bank account, configure users, and start sending and receiving payments.
• Explore API Documentation: Developers can access detailed guides and code samples for embedding Beam’s API into internal systems or customer-facing products.
• Enable Payment Workflows: Automate fund transfers, settlements, and conversions between crypto and fiat. Manage exceptions, track statuses, and optimize FX margins.
• Scale with White-Label Services: Offer Beam’s full payment infrastructure under your own brand with no added complexity. Perfect for PSPs, remittance apps, and enterprise wallets.
• Get Support: Contact Beam’s sales or support teams anytime at [email protected] or [email protected] for personalized help.