SWIFT propio = para usted SWIFT de terceros = para sus usuarios Una API o un panel de control sin código = ambos cubiertos para mover dinero fácilmente a nivel mundial

Stablecoins🤝Sistema financiero de EE. UU. Todo lo que los equipos necesitan para recibir, retener, convertir y mover USD con números de cuenta y de ruta únicos está disponible a través de una conexión

El impulso de las stablecoins en LATAM nunca se ha sentido más fuerte y todavía estamos en las primeras 🫡 etapas

inflation in Argentina is over 250%. in Colombia, the peso lost 20% of its value in just two years. across LATAM, currency depreciation is a daily reality as it erodes savings faster than people can adapt. over 70% of deposits in Argentina are already in USD, and in Peru, over 40% of bank deposits are dollarized. demand for stable value is obvious, but access is bottlenecked by outdated financial infra. in 2023, remittances to LATAM reached $155B according to the World Bank. Mexico alone received $63B. however, most of that money came from the U.S. and was converted to local currency the moment it arrived. in high-inflation economies, purchasing power disappears almost instantly. on average, 5–7% of remittances are lost to fees (totaling billions every year). freelancers, exporters, and e-commerce sellers face the same challenge. payments in USD are converted on arrival. value is lost through FX spreads, conversion fees, and inflation. LATAM currencies as a whole have lost 30-40% against the dollar in the last five years. @beam_cash’s U.S. accounts & payment infra provide the missing link to defend against value erosion. through APIs to licensed U.S. banks, platforms can provision named USD accounts with unique routing and account numbers. those accounts can: - receive USD via Fedwire, ACH, SWIFT, or stablecoins - hold USD in U.S. depository institutions with FDIC pass-through insurance eligibility - send USD domestically and globally, with the ability to leverage stablecoins for use cases where they provide faster or cheaper settlement than SWIFT the commercial opportunity is enormous. nearly 50% of LATAM trade is already invoiced in USD, even between non-U.S. counterparties. merchants want to price in dollars without recalculating FX rates daily. suppliers want direct USD payments without paying 3–5% in correspondent bank fees. platforms like Beam bring this all together to let anyone transact in USD. by combining onboarding, compliance, payments, and settlement into a single integration, Beam lets teams launch USD products quickly, with lower cost, and at scale. in a region where nearly 70% of adults are underbanked but smartphone penetration is above 80%, U.S. accounts + modern payment infra are creating a major opportunity. in today’s world, anyone with a smartphone can now access the best banking infra on the planet to send, receive, and hold the world’s most in-demand currency: USD platforms in the region (like @belo_app, @eldoradoio, @buenbit, and @lemonapp_ar) are already moving in this direction, and it will be exciting to see how quickly adoption spreads

inflation in Argentina is over 250%. in Colombia, the peso lost 20% of its value in just two years. across LATAM, currency depreciation is a daily reality as it erodes savings faster than people can adapt. over 70% of deposits in Argentina are already in USD, and in Peru, over 40% of bank deposits are dollarized. demand for stable value is obvious, but access is bottlenecked by outdated financial infra. in 2023, remittances to LATAM reached $155B according to the World Bank. Mexico alone received $63B. however, most of that money came from the U.S. and was converted to local currency the moment it arrived. in high-inflation economies, purchasing power disappears almost instantly. on average, 5–7% of remittances are lost to fees (totaling billions every year). freelancers, exporters, and e-commerce sellers face the same challenge. payments in USD are converted on arrival. value is lost through FX spreads, conversion fees, and inflation. LATAM currencies as a whole have lost 30-40% against the dollar in the last five years. @beam_cash’s U.S. accounts & payment infra provide the missing link to defend against value erosion. through APIs to licensed U.S. banks, platforms can provision named USD accounts with unique routing and account numbers. those accounts can: - receive USD via Fedwire, ACH, SWIFT, or stablecoins - hold USD in U.S. depository institutions with FDIC pass-through insurance eligibility - send USD domestically and globally, with the ability to leverage stablecoins for use cases where they provide faster or cheaper settlement than SWIFT the commercial opportunity is enormous. nearly 50% of LATAM trade is already invoiced in USD, even between non-U.S. counterparties. merchants want to price in dollars without recalculating FX rates daily. suppliers want direct USD payments without paying 3–5% in correspondent bank fees. platforms like Beam bring this all together to let anyone transact in USD. by combining onboarding, compliance, payments, and settlement into a single integration, Beam lets teams launch USD products quickly, with lower cost, and at scale. in a region where nearly 70% of adults are underbanked but smartphone penetration is above 80%, U.S. accounts + modern payment infra are creating a major opportunity. in today’s world, anyone with a smartphone can now access the best banking infra on the planet to send, receive, and hold the world’s most in-demand currency: USD platforms in the region (like @belo_app, @eldoradoio, @buenbit, and @lemonapp_ar) are already moving in this direction, and it will be exciting to see how quickly adoption spreads

inflation in Argentina is over 250%. in Colombia, the peso lost 20% of its value in just two years. across LATAM, currency depreciation is a daily reality as it erodes savings faster than people can adapt. over 70% of deposits in Argentina are already in USD, and in Peru, over 40% of bank deposits are dollarized. demand for stable value is obvious, but access is bottlenecked by outdated financial infra. in 2023, remittances to LATAM reached $155B according to the World Bank. Mexico alone received $63B. however, most of that money came from the U.S. and was converted to local currency the moment it arrived. in high-inflation economies, purchasing power disappears almost instantly. on average, 5–7% of remittances are lost to fees (totaling billions every year). freelancers, exporters, and e-commerce sellers face the same challenge. payments in USD are converted on arrival. value is lost through FX spreads, conversion fees, and inflation. LATAM currencies as a whole have lost 30-40% against the dollar in the last five years. @beam_cash’s U.S. accounts & payment infra provide the missing link to defend against value erosion. through APIs to licensed U.S. banks, platforms can provision named USD accounts with unique routing and account numbers. those accounts can: - receive USD via Fedwire, ACH, SWIFT, or stablecoins - hold USD in U.S. depository institutions with FDIC pass-through insurance eligibility - send USD domestically and globally, with the ability to leverage stablecoins for use cases where they provide faster or cheaper settlement than SWIFT the commercial opportunity is enormous. nearly 50% of LATAM trade is already invoiced in USD, even between non-U.S. counterparties. merchants want to price in dollars without recalculating FX rates daily. suppliers want direct USD payments without paying 3–5% in correspondent bank fees. platforms like Beam bring this all together to let anyone transact in USD. by combining onboarding, compliance, payments, and settlement into a single integration, Beam lets teams launch USD products quickly, with lower cost, and at scale. in a region where nearly 70% of adults are underbanked but smartphone penetration is above 80%, U.S. accounts + modern payment infra are creating a major opportunity. in today’s world, anyone with a smartphone can now access the best banking infra on the planet to send, receive, and hold the world’s most in-demand currency: USD platforms in the region (like @belo_app, @eldoradoio, @buenbit, and @lemonapp_ar) are already moving in this direction, and it will be exciting to see how quickly adoption spreads

La mayoría de las plataformas se encuentran con el mismo problema: brindar a los usuarios acceso real a la banca de EE. UU. Sin cuentas nombradas vinculadas a ACH, transferencia y SWIFT, los pagos son lentos, costosos y desordenados Las cuentas virtuales de Beam en EE. UU. brindan a las personas y empresas en 100+ países la capacidad de mantener, enviar y recibir dólares con la elegibilidad del seguro de transferencia de la FDIC, todo mientras aprovechan los rieles de pago y las monedas estables de EE. UU. Cualquier persona en el mundo ahora puede acceder a la misma infraestructura bancaria de EE. UU. que alguna vez estuvo reservada para las empresas

¿Asistirá a la Conferencia de Stablecoin de @Bitso en la Ciudad de México el 27 y 28 de agosto? ¡Conéctate con David Ruderman mientras estás allí! Dave se reunirá con fundadores, líderes de fintech e instituciones financieras para discutir cómo las stablecoins están remodelando los pagos transfronterizos y cómo Beam está conectando equipos globales con la infraestructura bancaria de EE. UU.

🚨 ¡Estamos contratando! Buscamos un ingeniero de software sénior que tenga experiencia en la creación de sistemas de pagos transfronterizos y quiera entrar en la planta baja de la revolución de las stablecoins. Si usted o alguien de su red encaja bien, ¡envíenoslo! Consulte a continuación para obtener más detalles 🔽

1.400 millones de personas siguen viviendo fuera del sistema financiero. estamos implementando Beam para plataformas de consumo para cambiar eso. Una plataforma a la vez Demasiadas personas esperan días para que les paguen. trabajadores temporales. autónomos. Creadores. incluso en los EE. UU., Casi el 5% de los hogares no tienen una cuenta bancaria. los que lo hacen todavía lidian con rieles lentos para acceder al dinero que ya ganaron. no deberían tener que hacerlo. Y a medida que los rieles de blockchain continúan combinándose con los rieles tradicionales, ahora es más posible que nunca ofrecer un alcance global con familiaridad local. Las plataformas de consumo son la nueva capa de distribución para el acceso financiero. Lo alimentan todo. contratación de trabajadores. pagando a los vendedores. apoyando a las familias a través de las fronteras. Pero se ven obligados a hacer concesiones. Muévete rápido o cumple con las normas. ser global o estar conectado con el banco. ofrece una gran experiencia de usuario o lucha con rieles de backend rotos. Las plataformas (y sus usuarios) merecen algo mejor. es por eso que estamos lanzando Beam for Consumer Platforms, una pila única donde el movimiento de dinero simplemente funciona: - Incorporación flexible: KYC integrado o compartir KYC a través de API - pagos instantáneos a través de ACH (con Visa Direct programada para este trimestre) - pagos instantáneos a través de RTP, FedNow, Visa Direct y Mastercard Send - Cuentas virtuales de EE. UU. que pueden enviar, recibir y mantener USD (con soporte SWIFT) - un flujo de conexión bancaria sin fisuras que ya tiene Plaid incrustado Estamos ayudando a las plataformas a consolidar proveedores y traducir esos ahorros de tiempo y costos en crecimiento. Nos centramos en crear funciones que desbloqueen la libertad. para lanzar más rápido, escalar globalmente y atender a más usuarios sin compromiso. libertad para incorporar a un proveedor en Nairobi. pagar a un creador en Lima. deje que un viajero en Mumbai cobre en USD. o ayudar a un trabajador no bancarizado en Mississippi a cobrar con la misma facilidad que alguien en Los Ángeles. no somos un banco. no somos una billetera. Somos el rayo entre las plataformas que la gente ya usa y el sistema financiero del que han sido excluidos. Si está construyendo para los próximos mil millones de usuarios, @beam_cash encantaría ayudar