Beans is an app designed for low-cost international money transfers in multiple currencies. Unlike a bank, it doesn't provide cards or traditional accounts. Users can send money to others by downloading the app and locating recipients through unique usernames. The platform allows for currency conversions between dollars, euros, and cryptocurrencies, with competitive exchange rates for local currency transfers. While there are no account opening or maintenance fees, deposits and withdrawals incur a 1-2% fee depending on the transaction type and country. Beans also supports cryptocurrency transfers via the Stellar network, offering flexibility for users who prefer digital assets.