Eco (Beam)
Self-custodial dollars; Eco protocol.
- Who holds it
- You do. Funds sit on-chain in a wallet the company cannot freeze.
- The ledger
- The blockchain — no company keeps the authoritative record.
- If it fails
- Nothing on the company side to fail; but lose your keys and the money is gone for good.
Derived from Eco (Beam)’s regulation type and custody — a class of protection, not a guarantee. Limits and eligibility vary by scheme, balance and jurisdiction; confirm before you rely on it. What happens if a neobank shuts down →
The facts
| Category | web3-native |
| HQ | New York, US |
| Founded | 2023 |
| Custody | Self-custodial |
| Regulation type | Self-custodial software |
| License detail | Self-custodial (Eco protocol) |
| Card | No card |
| Yield | Onchain yield |
| Stablecoins | Yes |
| KYC | No |
| Active regions | North America |
| Founders | Andy Bromberg |
Verified links: official site ↗
Common questions about Eco (Beam)
What is Eco (Beam)?
Eco (Beam) is a self-custodial, on-chain-first neobank, headquartered in New York, US and founded in 2023. You hold the keys: Eco (Beam) never takes custody of your funds. It is software rather than a licensed institution (Self-custodial (Eco protocol)).
Does Eco (Beam) have a card, and where can you use it?
It issues no card of its own and requires no identity check. It is available in North America.
Does Eco (Beam) require KYC?
No. Eco (Beam) works without identity verification, which is possible because it is self-custodial — it never holds your funds.
What does Eco (Beam) cost?
From the verified fields: yield Onchain yield. Cashback and yield are "up to" figures that change constantly and often depend on a paid plan — confirm current terms with Eco (Beam) before relying on them.
Peers
Phantom · Zengo · Dakota · MetaMask · Solflare · Rainbow
Eco (Beam) appears in
Neobanks that never hold your money (53) · Neobanks that work without identity verification (14) · Neobanks available in North America (126) · Neobanks with no card of their own (67) · Neobanks in United States (66)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.