founders talk incessantly about building the future. what we talk about less is what to do when the future takes longer to arrive than we planned. execution AND market timing are the name of the game - turns out the “why now” in a VC pitch actually makes sense ;) @beam_cash started out selling into consumer crypto platforms, with instant offramping as a starting point. we then added instant funding capabilities, enabling crypto wallets to be funded like Venmo, Cashapp or Robinhood. the tech worked tremendously. but we were too early - the market wasn’t mature enough yet. the few consumer crypto apps that existed had limited traction. most of the market was NFT-centric. there weren’t enough stablecoin-first platforms. primitives like @privy_io were just coming to market. there were no breakout examples like @slingmoney. and the banks, regulators & administration’s leadership weren’t helping. we had the right product, but not the right timing. so we made a hard pivot. we shifted to business-centric payment flows infra and focused on what was needed: giving crypto platforms like @felixpago the tools to make treasury flows compliant, fast, and programmable across both fiat and crypto rails. we went deep into stablecoin orchestration, compliance-as-a-service, and extending our domestic banking capabilities to non-US companies. instead of focusing on the application layer, we went a layer deeper. that pivot worked. since then, we’ve become the backend for several B2B fintechs, neobanks, and cross-border payment platforms. we scaled volume, expanded coverage, and matured the stack. over the past 6-8 months, B2C stablecoin platforms have picked up major momentum. from wallets and investment apps to remittance tools, more teams are building consumer-facing experiences that require simple crypto access under the hood. they’re coming to us in hordes asking for the exact product we started with - instant funding and payouts for consumer crypto, i mean, stablecoin applications - via one API. most platforms in our space avoid this, or push the fiat processing burden onto traditional gateways… but we leaned in. because the mess is where the moat is. the hardest problems in infra are usually the ones most shy away from because they’re messy. ACH debits, fraud monitoring, liquidity management, identity, etc. all hard. yet therein we provide value. so we've brought back our first service… what’s old is new again… we’ve reintroduced the same instant pay-in and payout flows for consumer platforms that we built in the early innings. plug-and-play APIs. fully embedded compliance. with more to come. the market is finally ready for it. sometimes the most valuable product is the one you had to shelve. then refine. then reintroduce when the timing is right.