Beam, a stablecoin-based payment service provider, has partnered with Braid, a leading provider of digital banking infrastructure, to launch a first-of-its-kind initiative bringing stablecoin capabilities to community banks and credit unions across the United States.

For decades, community banks and credit unions have been the backbone of local economies. They serve over 100 million Americans across small businesses, families, and underserved communities with deep relationships but limited technology budgets. In today’s financial landscape, innovation moves quickly, and the gap between large national banks and regional institutions is widening. While big banks race ahead with real-time payments, digital wallets, and blockchain integrations, smaller institutions are often left with outdated rails and shrinking relevance.

Beam and Braid are giving community banks and credit unions the infrastructure to compete. By layering modern stablecoin functionality on top of existing operations, these institutions can now offer instant settlement, programmable money movement, and access to blockchain-based financial networks, products and services. 

This collaboration also comes at a critical inflection point. Recent shifts from U.S. regulators, including the SEC, FDIC, OCC, and the Federal Reserve, have cleared the path for banks to engage with digital assets. As the regulatory perimeter sharpens, demand from financial institutions to adopt stablecoins is accelerating.

“Community banks and credit unions have long been shut out of the innovation cycle compared to big banks,” said Daniel Mottice, Founder & CEO of Beam. “This partnership changes that. By combining Beam’s stablecoin infrastructure with Braid’s compliance-first banking stack, we’re unlocking real-time payments, yield solutions, and virtual accounts for institutions that serve over 100 million Americans.”

Through Braid’s FI LAB innovation sandbox, community banks and credit unions with less than $500 million in assets under management can pilot stablecoin use cases with Beam in a secure, compliant environment. Whether it’s faster payouts, cross-border transactions, or modern wallet experiences, they can experiment with real-world applications at no risk to their core systems. 

For institutions with over $500 million in assets under management, Beam and Braid offer direction integration capabilities to deploy enterprise-scale stablecoin-powered products and services across various customer bases and use cases.

“Stablecoins are unlocking a borderless financial future,” said Randy San Nicolas, Co-Founder & CEO of Braid. “Our partnership with Beam brings financial innovation to community financial institutions, empowering even the smallest to build, adapt, and compete alongside the most advanced players in the industry.”

Through this partnership, community banks and credit unions can:

  • Access the fastest payment rails in the world
  • Instantly convert between fiat and stablecoins
  • Settle cross-border payments in seconds
  • Offer modern wallets and payment experiences
  • Participate in blockchain’s financial ecosystems in a safe and secure manner
  • Modernize treasury operations for optimal yield and liquidity
  • Offer international customers access to U.S. virtual accounts

With the regulatory tides turning in favor of responsible innovation, Beam and Braid are helping regional financial institutions step confidently into the future. 

The Beam & Braid integration is available immediately through the Braid platform. To learn more about Beam and Braid, visit www.getbeam.cash and www.braidfi.com, respectively.

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About Beam

Beam is a first of its kind PSP, powered by stablecoins, built for faster, cheaper, and smarter global money movement. Beam helps fintechs, banks, consumer platforms, and more, compliantly move between digital and fiat currencies via the fastest payment rails in the world, all through one integration. To date, Beam has processed over $275M for clients ranging from payment platforms like Sling Money to world-renowned media brands like Goldenvoice, the team behind Coachella music festival. Beam is led by Daniel Mottice, former Product Lead at Visa Direct and Visa Crypto, who brings deep expertise from the world’s largest payments network to reimagine how money moves across currencies, countries, and payment rails.

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About Braid

Braid is a modern banking infrastructure platform purpose-built to help community banks and credit unions compete in a digital-first world. With a modular, API-driven infrastructure, Braid enables financial institutions to launch fintech-grade products without replacing their core systems. With a focus on flexibility, compliance, and speed to market, Braid is closing the gap between legacy banking infrastructure and modern financial services.

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Media Contact:

John Llamas

Growth Manager

Beam

John@getbeam.cash