Beans is designed to simplify global finance by combining powerful money management tools into one intuitive platform. It enables seamless transactions across borders, supports multiple currencies, and offers earning opportunities on balances—all while maintaining full transparency and user control.
Beans Earn
Beans introduces a flexible earning feature that allows balances in USD and EUR to generate a variable annual percentage yield (APY), reaching up to 10% per year. The APY is calculated daily, ensuring up-to-date returns based on current conditions. Funds remain fully accessible at all times, with no lock-in periods or restrictions. This approach allows users to grow their money while maintaining complete control over withdrawals and usage. It is important to note that APY may fluctuate daily, and returns are not guaranteed.
Instant Global Transfers
The platform supports fast and efficient global money transfers without hidden fees or unnecessary delays. Transactions within the Beans network are processed instantly and at no cost, making it ideal for sending money to family, receiving payments, or managing international financial commitments.
Multi-Currency Wallet
Beans supports USD, EUR, and over 80 local currencies, allowing seamless management of diverse financial needs. Users can hold, exchange, and monitor multiple currencies within a single app. Competitive exchange rates ensure value is maintained during conversions, while the streamlined interface simplifies currency management.
Cash Access with MoneyGram
With access to more than 350,000 MoneyGram locations worldwide, Beans bridges the gap between digital and physical money. Users can conveniently deposit or withdraw cash, providing flexibility for those who require both online and offline financial access.
Security and Control
As a non-custodial wallet, Beans prioritizes user ownership and security. Private keys are stored directly on the user’s device, ensuring that only the account holder has access to funds. Advanced encryption technologies and two-factor authentication provide an additional layer of protection, safeguarding accounts against unauthorized access.
FAQs
Q1: What is Beans and how does it work?
Beans is a non-custodial financial app that allows users to send, receive, manage, and earn money globally while maintaining full control over their funds.
Q2: Can money be withdrawn at any time from Beans Earn?
Yes, funds can be withdrawn at any time without lock-in periods, offering full flexibility and control over balances.
Q3: Are there fees for sending money through Beans?
Transfers within the Beans network are instant and free, with no hidden fees involved.
Q4: What currencies are supported in Beans?
Beans supports USD, EUR, and over 80 local currencies, allowing easy management and exchange within one app.
Q5: Is Beans secure to use?
Beans uses non-custodial technology, private key storage on the user’s device, encryption, and two-factor authentication to ensure high security standards.
Version History
v2.16.4—1 Jul, 2025
Bug fixes and improved user experience.
v2.16.1—8 Jun, 2025
This update brings enhanced security, improved protocol support, and performance optimizations:
- Secret seed is now hidden from the UI to better protect your wallet credentials.
- Fixed deeplink handling issues for smoother external navigation.
- Improved compatibility with Stellar Development Proposal (SDP) flows.
- Transaction history now refreshes more reliably.
- Additional general improvements and minor bug fixes.
v2.15.0—2 May, 2025
New Features
• Added more app bar action buttons for quicker access
• Improved validation with clearer error messages
Improvements & Fixes
• Resolved infinite loading on home screen
• Fixed splash screen issue when account is deleted
• Enabled country selection in preferences
Other
• Performance improvements and minor bug fixes
