Beans App

Beans App is a blockchain-powered digital wallet and payment platform founded by Wouter, headquartered in the Netherlands. Built on the Stellar blockchain, Beans enables instant, free peer-to-peer international money transfers without hidden fees or intermediaries. The company is a two-time winner of the Stellar Community Fund Award and one of only four digital wallets approved for the MoneyGram Access Program.

Core Products/Services

Beans offers a consumer digital wallet app alongside dedicated B2B solutions. The Beans Business SDK is a cross-currency payment API that allows merchants, webshops, physical stores, crypto platforms, and other businesses to accept payments in multiple currencies — including USDC, EURC, BRL, ARS, XLM, and BTC — with instant settlement and zero fees. Businesses integrate via a standard REST API or an open-source JavaScript SDK (available on npm and GitHub) to generate QR codes and payment links for their customers.

The Bulk Payments solution is an enterprise-grade service for organisations that need to send cross-border payments to multiple recipients simultaneously. Using a simple CSV upload, businesses can disburse funds to 185+ countries in real time, monitor delivery, and track key payment metrics — all secured and recorded on the Stellar blockchain.

The consumer wallet features include free wallet-to-wallet transfers, a Beans Earn yield product (up to 10% APY via DeFi lending protocols), cryptocurrency holding (XLM, BTC, USDC, EURC), MoneyGram cash deposit/withdrawal at thousands of global locations, and a referral programme.

Key Strengths

• Blockchain-native infrastructure: Built entirely on the Stellar blockchain, enabling instant settlement 24/7/365 without traditional banking intermediaries
• Zero-fee model: No fees or mark-ups on sending, receiving, or converting money — a core differentiator against legacy remittance services
• Global reach: Supports 185+ countries for payments and cash-out via the MoneyGram partnership network
• DeFi integration: Yield products powered by decentralised lending protocols give users access to competitive APY
• Open-source SDK: The merchant payment SDK is publicly available on npm and GitHub, lowering integration barriers for developers
• Multi-currency support: Handles fiat currencies alongside stablecoins (USDC, EURC) and cryptocurrencies (XLM, BTC)

Notable Clients/Projects

• Official MoneyGram integration partner (one of only four approved digital wallets globally)
• Two-time winner of the Stellar Development Foundation Community Fund Award
• 1.9+ million transactions completed, $40M+ in funds handled, 500% year-over-year user growth

Why Choose Beans App

Beans removes the cost and complexity of cross-border payments by leveraging blockchain technology to deliver funds instantly and for free. For businesses, the open-source Business SDK and Bulk Payments platform provide a scalable, low-cost infrastructure to accept multi-currency payments globally or disburse funds at scale — with full transparency, real-time monitoring, and no reliance on slow traditional banking rails.