Beans App: Money Transfers

Beans is a modern financial app designed to simplify global money management while giving full control to users. Built as a non-custodial wallet, it ensures that funds remain accessible only to the account holder, combining flexibility, transparency, and security in one platform.

Instant Global Transfers

Beans enables fast and seamless money transfers across the globe. Wallet-to-wallet transactions within the network are instant and free, eliminating delays and hidden fees. This makes it ideal for families, freelancers, and businesses handling international payments.

Multi-Currency Wallet

The app supports USD, EUR, and over 80 local currencies, allowing easy management of funds in different denominations. Currency exchange is simple and offered at competitive rates, making it convenient for users who frequently deal with multiple currencies.

Beans Earn (Variable APY)

Beans introduces an earning feature that allows users to generate a variable annual percentage yield (APY) on USD and EUR balances. Returns can reach up to 10% per year, calculated daily. Funds remain accessible at all times, with no lock-in periods, ensuring flexibility and control. Returns may vary and are not guaranteed.

Cash Access via MoneyGram

The integration with MoneyGram allows users to deposit or withdraw cash through more than 350,000 locations worldwide. This bridges the gap between digital and physical money, making financial access more inclusive and practical.

Security and Full Control

As a non-custodial wallet, Beans ensures that only the user has access to their funds through secure private key technology stored on their device. Advanced encryption and two-factor authentication provide additional layers of protection, safeguarding every transaction and account activity.

Simple and Transparent Experience

The app is designed for ease of use, offering a clean interface and transparent fee structure. Users can easily track transactions, manage balances, and monitor earnings without complexity.

FAQs

Q1: What is a non-custodial wallet in Beans?

A non-custodial wallet means only the user has access to their funds through private keys stored on their device, ensuring full control and security.

Q2: Are transfers on Beans instant?

Yes, transfers within the Beans network are instant and free, allowing quick and seamless global transactions.

Q3: How does Beans Earn work?

Beans Earn provides a variable APY on USD and EUR balances, calculated daily, with no lock-in period and full withdrawal flexibility.

Q4: Can cash be deposited or withdrawn?

Yes, cash transactions are supported through MoneyGram locations worldwide, enabling easy conversion between digital and physical money.

Q5: Is the APY guaranteed?

No, the APY is variable and may change daily. Returns are not guaranteed and this feature is not a traditional savings account.

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