# Beans > Let money move like email Beans enables users to send and receive money globally using blockchain technology, offering free cross-border transfers, multi-currency support, and yield opportunities. Beans is a self-custodial financial application built on the Stellar blockchain that facilitates instant cross-border payments, multi-currency management, and DeFi access. Users can send and receive funds in multiple currencies without transaction fees, deposit and withdraw cash through MoneyGram at locations worldwide, and earn yield on stablecoin balances. The platform abstracts blockchain complexity through bank-like interfaces while maintaining user control of private keys through proprietary account recovery systems. - Type: Company - Sector: Payments - Status: Active - Founded: 2021-12-01 - Profile: https://thegrid.id/profiles/beans ## Products - [Beans Wallet](https://thegrid.id/profiles/beans): A non-custodial multi-currency wallet built on Stellar that enables users to store, send, and receive digital assets across borders with sponsored transaction fees. The wallet supports multiple fiat and cryptocurrency holdings, automatic currency conversion, MoneyGram cash integration, and proprietary account recovery systems that eliminate seed phrase management. Users maintain full custody while accessing bank-like interfaces for deposits, withdrawals, and payment requests through QR codes and deep links. (Wallet, Live, Main Product) - [Beans Earn](https://thegrid.id/profiles/beans): Beans Earn is a yield aggregator that allows users to deposit USDC or EURC and earn daily variable yield. The system deploys user funds into fully collateralized lending pools on Stellar, offering variable APY rates with daily compounding, real-time balance updates, and instant withdrawals without lockup periods. Users maintain non-custodial control while accessing institutional-grade DeFi returns through simplified mobile interfaces. (Yield Aggregator, Live) - [Beans Card](https://thegrid.id/profiles/beans): A cryptocurrency debit card that converts digital assets to fiat currency in real-time during transactions, enabling users to spend crypto at merchants accepting Mastercard or Visa payments. The card integrates with Apple Pay and Google Pay, supports ATM withdrawals globally, and processes conversions automatically without requiring users to manually exchange currencies before purchases. Multi-currency balances can be held within the Beans app and accessed through the card at point-of-sale. (Card, Live) - [Beans Merchant SDK](https://thegrid.id/profiles/beans): A developer toolkit enabling businesses to integrate cryptocurrency payment acceptance through the Beans platform. The SDK generates QR code payment requests, supports multi-currency transactions with automatic conversion, processes instant settlements, and provides webhook notifications for payment confirmations. Merchants can deploy point-of-sale systems, e-commerce integrations, or custom payment flows while accessing Beans network liquidity without managing individual on-ramp partnerships. (Developer Tooling, Live) ## Links - [Main](https://www.beansapp.com) - [Documentation](https://www.beansapp.com/faqs) - [Blog](https://www.beansapp.com/blog) - [Privacy policy](https://www.beansapp.com/privacy-policy) - [Terms of Service](https://www.beansapp.com/general-terms-conditions-beans) - [YouTube](https://www.youtube.com/@beansapp) - [Instagram](https://www.instagram.com/beansapp_) - [Facebook](https://www.facebook.com/beans.app.global) - [Twitter / X](https://x.com/BeansApp) - [Discord](https://discord.com/invite/GPaNsZrcdP) - [Telegram](https://t.me/Wearebeansapp) - [GitHub](https://github.com/Beans-BV) - [Medium](https://beansapp.medium.com) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation. Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service. The following applies to both licensing models. - All data is provided AS IS with no guarantees of accuracy. - The Grid does not provide investment, legal, or tax advice, and - a project's presence in The Grid's data does not imply endorsement. - [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers - [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service. - [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service. - [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services. - [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures ## Optional - [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model - [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships - [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type - [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types - [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP