Beam and Braid Partner to Bring Stablecoin Infrastructure to Community Banks

As regulatory clarity improves and major financial institutions explore stablecoin adoption, smaller banks and credit unions risk falling behind. Beam, a stablecoin infrastructure provider, and Braid, an API platform for banking modernization, are launching a partnership to bridge this gap.

The initiative will initially onboard seven regional banks across the Northeast and Midwest. Braid''s APIs enable real-time payments and card network upgrades, while BEAM provides the stablecoin rails. Participating institutions will pay licensing and transaction fees for the service.

Beam CEO Dan Mottice, formerly of Visa''s crypto division, built the company during the SEC''s restrictive crypto stance, focusing initially on international markets with dollar access challenges. The move signals growing institutional recognition of stablecoins'' role in payments infrastructure.