Beem

We're building the Unified Managed Account (UMA) for everyone.Today, UMAs (AKA SMAs) are a $3.7 trillion market — but they require $300K minimums, charge 1-3% annual fees, and only hold stocks and bonds. They exist exclusively for the wealthy, managed by human advisors through firms like Edward Jones ($2.2T AUM), Envestnet ($5.4T platform), and Morgan Stanley. Beem flips this. We deliver a Unified Managed Account to 166 million everyday Americans at $0 minimum — holding not just stocks and bonds, but also crypto, stablecoins, future pay, gig income, benefits, and store credit. All assets unified into one spendable balance, optimized by AI instead of a human advisor, and accepted at 900K+ locations and 40 airlines. What Robinhood did for stock trading, Beem does for your entire financial life.Traction: Profitable, 5M+ US customers, 500x LTV/CAC — all organic growth. $100M in network partnerships. Bank distribution reaching 8M fair credit US consumers/month. UMA stack includes: UMA (the account) → UPay (spend from any asset) → USDU (instant stablecoin settlement) → U-ID (zero-fraud biometric identity) and can be embedded in any LLM.