Mutual Coverage
Insurance
Community-backed coverage
Shared risk pools governed by wallet holders. BEAM tokens back cooperative coverage with transparent on-chain reserves and democratic claims processing.
Now accepting Cohort applications
Cooperative Finance
for the Modern Economy.
BEAM Financial Services delivers community-owned insurance, peer-to-peer microfinance, and algorithmic underwriting — all settled on Polygon and paid out via Stripe Connect.
Banking, made cooperative.
Whether you're looking for everyday banking or a stake in a member-owned financial cooperative, BEAM gives you both — one account, one balance, one community.
Checking & Card
A real account balance and a virtual debit card you can use anywhere.
Transfers & Payouts
Instant member-to-member transfers, with cash payouts via Stripe Connect.
Ownership & Coverage
Every member shares in the cooperative's insurance pool and credit history.
BEAMToken Symbol
PolygonNetwork
Real-timeSettlement
Stripe ConnectPayout Rail
Three pillars. One token.
Every BEAM product shares the same ledger, the same token, and the same cooperative governance.
Live Settlements
Microfinance
Peer-to-peer allocations
Instant BEAM micro-allocations between cooperative members. Zero traditional overhead, real-time Firestore ledger settlement, and direct Stripe Connect payouts.
Chain-Verified
Underwriting
Algorithmic credit intelligence
On-chain activity and ledger history power dynamic credit scoring. Polygon-verified BEAM balances inform real-time underwriting decisions with full auditability.
Ready to build with BEAM?
Join the founding cohort and help shape cooperative financial infrastructure for your community.
Join the Cohort