Nancy Dong

Beam has been acquired by @ModernTreasury When I left Visa to start Beam, I began with the simple belief that money shouldn’t take days to move in a world where data moves in milliseconds. To me, stablecoins and real-time payment systems weren’t competing ideologies. They were complementary tools waiting to be stitched together. Over the past several months, I’ve gotten to know @mattgmarcus, @dadiomov, Sam and the Modern Treasury team. From our very first conversation, it was clear that we have similar visions for the future of money movement. Money should move at the speed of the internet, with currencies, rails, pre-funding, and everything in between, completely abstracted to the end-user. I’m incredibly excited to continue building on the foundation we’ve laid at Beam, now with the firepower of the MT team beside us. With more resources in our arsenal, we can accelerate a future where stablecoins and tokenization play a generationally transformative role and instant payment systems proliferate globally. In the near term, Beam will continue operating as-is, focused on what we do best: connecting stablecoins to RTP systems and orchestrating settlement across rails in real time. Soon enough, you’ll start seeing that infrastructure embedded directly into Modern Treasury, with some tremendous new products coming that will simplify money movement like never before. To the Beam team - past and present - thank you. To our customers and investors, your belief carried us further than most people will ever understand. More to come

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_cash feel… right now, real use cases are proving that stablecoins aren’t just for crypto trading: - Félix (@felixpago) enables instant, low-cost remittances between U.S. migrants and LATAM - Buenbit (@buenbit) provides LATAM users access to USD savings to protect capital against inflation and U.S. investments to grow capital - SpaceX (@spacex) uses stablecoins for treasury management and cross-border payments - Deel (@deel) facilitates international payroll with stablecoins where banking is slow or unreliable - Robinhood (@robinhoodapp) 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 entire 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_cash. 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

.@beam_cash = unique EVM or SVM address linked to your business checking account. automatically off-ramps to your account when it receives $$$ onchain