Beam

Remittances are one of the most critical forces in the global economy. In?2025, global remittance flows are expected to exceed?$905 billion. Roughly?$685 billion?of that will go to low- and middle-income countries, according to The World Bank. In some regions, these flows are an economic engine. In countries like Tonga, Lebanon, and South Sudan,?remittances are responsible for more than a third of their GDP. This money funds education, food, healthcare, and small businesses; in some cases, more reliably than foreign aid or direct investment. But the systems moving that money need upgrades. It still costs?6.4% on average?to send just?$200. In sub-Saharan Africa, that figure is?above 8%. Year after year, billions are lost to fees, friction, and delays. Stablecoins are a path forward to cut fees & settlement times significantly. And they operate globally, 24/7, without intermediaries eating away at transfers. For the billions who rely on these flows every month, when more than a third of a country’s GDP rides on remittances, modern payments infrastructure is essential. #stablecoins #remittances

stablecoins = a smarter liquidity engine for treasury teams currently, treasury teams are forced to sacrifice liquidity for yield, or yield for liquidity. the current system is a balancing act: - if you prioritize liquidity, you have to accept near-zero returns - if you chase yield, you have to sacrifice liquidity stablecoins remove that tradeoff by enabling yield on liquid capital & productive money in motion. traditional yield products come with lockups. t-bills require minimum holding periods, commercial paper can stretch anywhere from 30 to 270 days, and MMFs settle intraday but are subject to cutoffs. on the other hand, stablecoin lending markets offer yield with instant redemption so treasury teams can reallocate capital at any time without waiting for settlement windows. beyond always-on settlement, stablecoins introduce programmable yield strategies that remove the rigidity of traditional allocations. instead of locking a fixed percentage of capital into various instruments (e.g., 20% in T-bills, 30% in MMFs, etc.), treasuries can deploy funds dynamically into lending markets where capital is automatically routed to the highest-yielding, risk-adjusted opportunities in real time. cross-border efficiency is another major advantage. fx hedging and nostro accounts traditionally tie up large amounts of working capital. stablecoins reduce the need for prefunding by allowing instant fx conversion and global capital deployment. the key to making this work is seamless integration with traditional financial infrastructure. platforms like Beam connect stablecoin liquidity to existing treasury operations through on/off-ramps integrated into everyday payment rails. this ensures that treasury teams can move in and out of the best cross-currency liquidity & yield strategies without disrupting existing workflows. at the end of the day, stablecoins give treasury teams better yield AND better liquidity

Stablecoins are reshaping treasury management by accelerating liquidity, optimizing yield, and providing real-time cash flow visibility. Treasury teams can now bypass banking delays, reduce FX risk, and deploy idle capital more efficiently. Explore our guide below to see how businesses are leveraging stablecoins for modern treasury operations. ?? #TreasuryManagement #Stablecoins

Treasury management is overdue for an upgrade. Slow settlements, high transaction costs, and limited liquidity windows create unnecessary friction in traditional finance. Fortunately, stablecoins solve many of these issues. The reality is, treasury teams don’t need to choose between stablecoins and traditional banking. They can leverage both. This breakdown explores how integrating stablecoins with existing financial systems can improve settlement speed, reduce costs, optimize liquidity, and provide access to better yield opportunities. Swipe through to see the differences ??

Beam will be at Blockworks DAS NY this week! Heading to the event?Connect with our Revenue Lead, Diana Pires, to chat about stablecoins & the future of money movement!

Introducing our second edition of PokéStable! For this special edition, we’re highlighting seven teams who are on the front lines everyday to reshape global compensation. 1. Jonathan Chester & John Lindsay are working on Bitwage to make global payroll easy in crypto, stablecoins, and fiat. 2. Diana Mongina, Benaiah Wepundi, and Japheth Achimba are building Payd HQ, a stablecoin-powered neobank that makes money work for gig workers. 3. Hugo Finkelstein & Andrew Maurer are scaling Rise to make global workforce payments effortless in 90+ local currencies and 100+ cryptocurrencies. 4. Rami Djebari & Maher Ayari are working on Sorbet to offer a borderless wallet for collecting freelance payments. 5. Kenneth O'Friel & Dominika Stobiecka are building Toku to streamline employment, fiat, stablecoin and native token payroll, and token grant management. 6. Megan Knab is working on Franklin Payroll to offer intuitive fiat & on-chain payroll, expense, and revenue management tools. 7. Manuel Beaudroit, Manu López, and Edwin Rager are scaling the ultimate wallet for LATAm freelancers and remote workers to save, spend, and manage money. Check out our customized card collection below to see who’s redefining the way global talent gets paid!

Paying international talent doesn’t have to be a pain. Stablecoins make it faster, cheaper, and way easier. Here’s a quick guide on how it works, and how Beam can help.

In 2024, businesses paid out more than $1.9 trillion to consumers in cross-border transactions according to FXC Intelligence. A huge chunk of this is salary, wages, and payroll-related. But the way these payments move today is slow, expensive, and inefficient. The current system takes days, cuts into payments, and creates friction for businesses and workers alike. With cross-border B2C payments projected to reach $4.4 trillion in 2032, stablecoins offer an opportunity to improve the current system with quicker settlement, cost efficiencies, and global accessibility. For businesses, this means faster payments, happier employees, and real cost savings. For individuals, it means getting paid on time, every time.?

Last Friday, the OCC published a set of interpretive letters that could accelerate institutional crypto adoption. Banks now have?clear approval?to custody digital assets, hold fiat-backed stablecoin reserves, and process payments on blockchain. This removes key regulatory barriers that have kept traditional financial institutions on the sidelines. It also opens the door for a number of step-function improvements across domestic and international financial operations. To stay competitive in the next generation of financial services, banks will need to move quickly to integrate these capabilities. We broke down what changed, why it matters for payments, and what comes next. See the carousel below to learn more about the OCC's interpretive letters??

the state of stablecoins: integration or isolation? stablecoin payments hit $6.4 trillion in the last 12 months, with $2.2 trillion of that in just the last three. adoption isn’t slowing down. the bigger question is how they’ll fit into the broader financial system. will they replace banks and traditional rails entirely? or will they integrate and make existing payment infrastructure more efficient? I think you know how we at Beam feel… right now, real use cases are proving that stablecoins aren’t just for crypto trading: - Félix enables instant, low-cost remittances between U.S. migrants and LATAM - Buenbit provides LATAM users access to USD savings to protect capital against inflation and U.S. investments to grow capital - SpaceX uses stablecoins for treasury management and cross-border payments - Deel facilitates international payroll with stablecoins where banking is slow or unreliable - Robinhood relies on stablecoins to settle transactions on weekends when banks are closed some argue that stablecoins should bypass banks and rails entirely. in theory, it’s a bold vision. in practice, it creates more problems than it solves. a parallel financial system faces a mountain of inertia: - liquidity fragmentation: stablecoins alone can’t replace $150+ trillion in global payments. businesses and consumers rely on existing rails for salaries, invoices, and commerce. isolating stablecoins would create friction, not efficiency. - on/off-ramp limitations: a logistics company in brazil still needs to pay local suppliers in BRL. a freelancer in argentina receiving usdc still needs to pay rent in ARS. no matter how much settlement improves, fiat off-ramps will be necessary for a VERY long time. - regulatory risk: a fully separate system invites heavier scrutiny, as regulators (and incumbents with large balance sheets) will see it as a direct competitor rather than an evolution of existing frameworks. - network effects: VISA, TCH/NACHA have decades of established relationships, clearing systems, and compliance mechanisms. stablecoins should be plug-and-play to build on these networks rather than rebuild them from scratch. instead of forcing a separate system, stablecoins must move freely between blockchains and payment rails to unlock speed, cost efficiency, and programmability without cutting off access to the traditional economy. when stablecoins are interoperable, the financial system shifts: - businesses gain instant global settlements with less fees and delays - treasuries automate liquidity management & yield optimization in real time - financial institutions embed stablecoins into core infrastructure in other words, interoperability gives everyone the benefits of stablecoins. this thesis drives Beam. making stablecoin settlements as seamless as any other payment method is non-negotiable. whether b2c or b2b, cross-border or domestic, fiat or crypto, our bet is simple: stablecoins + blockchains + the “best” legacy rails = mass adoption