Digital cash, at last.
The internet should make money simple, not more complicated. Charm is the universal payments app. Send money to anyone, no matter which platform they use. One app. One balance. With interest.
Send money on any platform. No account required
With Charm, you can pay anyone on Venmo, Cash App, or Zelle. No separate sign-up is required. More platforms coming soon.
Get paid to deposit money
Receive up to 2% cashback when you add funds to your Charm account. Terms apply.
Saving has never been this easy
Instead of letting your money sit idly across apps, let it grow in Charm. Your balance automatically and continuously compounds at the most competitive rates possible. No fees. No lock-ups. No action required. Just instant saving.
Imagine if sending email was like sending money
Everyone would be stuck on different platforms - Gmail messaging Gmail, Outlook messaging Outlook. If you wanted to send a message from one platform to another you'd either have to find someone who has both and forward it to them, or create a new account. Signing up for new platforms would require info like your address and social security number, and if you're from Canada, you can forget about it. You'd juggle 5 different apps to confidently email most of the people you know, and in the end, you'd still find situations where it's necessary to mail a physical letter. The internet would riot. Yet this is exactly how apps like Venmo work today.
Frequently Asked Questions
Everything you need to know about Charm
Yes. Charm is available to anyone, with no geographic restrictions. You can download it on the iOS App Store and Google Play Store.
Charm works like Uber for your money. When you send a payment, we find a user on the destination platform who wants to move money into Charm. They make the payment on your behalf — instantly and securely — while we handle everything behind the scenes using smart contracts and cryptography.
Charm is a marketplace. When someone deposits into Charm, they fulfill a pending payment for another user. It's a win-win — both users get what they want with no coordination. To keep things flowing, we offer up to 2% cashback on inbound transfers from Venmo, Cash App, and Zelle.
If you fund your account with Venmo, Cash App, or Zelle, it's free — and you may even earn cashback. If you use a credit or debit card, standard processing fees apply. All fees are clearly shown before you confirm a transaction.
Yes. Your funds are stored in a cryptographically secure smart contract account and held as USDC, a fully regulated, dollar-backed stablecoin issued by Circle. Only you can access your funds — not even we can touch them.
Charm uses Morpho, a decentralized lending protocol trusted by institutions like Coinbase. Your USDC earns yield based on market demand, often beating traditional savings rates — with no middlemen taking a cut.