Startup Intros · Jul 2026
Updated public profile summarizing the company, founders, funding rounds, and investor list.
Charm is the universal payments app — send money to anyone.
Company research
Public company, workplace, funding, and market signals
Overview
Charm is a consumer payments app that lets users send money across platforms like Venmo, Cash App, and Zelle, while holding balances in USDC and earning yield/interest. It is positioned as a universal, global payments marketplace with expressive payments and cash-back incentives.
Primary product
Universal cross-platform consumer payments app / wallet
Founded
2024
Headquarters
New York City, New York, United States
Team size
1
Industry
Financial Services
Sub-industry
Consumer payments / peer-to-peer payments / stablecoin payments
Business model
Marketplace
Consumer payments app
Card processing fees on card-funded transfers
Yield/interest on balances
Funding
Stage
Seed
Total raised
$10M
Latest round
Seed · Nov 2023
Latest amount
$6M
People & investors
Work & culture
Public materials emphasize a fun, expressive, crypto-native product culture focused on simplicity, global reach, and automatic yield.
Benefits
5.15% live APY on balances
Up to 2% cashback on inbound transfers from Venmo, Cash App, and Zelle
No fees when funding via Venmo, Cash App, or Zelle
No lock-ups
No geographic restrictions
Instant global transfers
Product & market
Pricing
Free for Venmo/Cash App/Zelle funding; standard card processing fees apply; cashback incentives on inbound transfers; monetization likely via payment economics and yield on balances.
Differentiators
- —Cross-platform payments without requiring the recipient to create a Charm account
- —Balances held in USDC with yield
- —Marketplace matching of senders and destination-platform payers
- —Automatic cashback incentives
- —No geographic restrictions
Technology
USDC
Circle
Morpho
smart contracts
cryptography
Customers
Consumers
Users of Venmo
Users of Cash App
Users of Zelle
Freelancers
E-commerce vendors
Small businesses
Competitors
Venmo
Cash App
Zelle
PayPal
Apple Cash
Scale & contact
Latest news
Apple App Store · Jul 2025
App Store listing for Charm under Parcel Dynamics, Inc., confirming the public developer identity and product availability.
Y Combinator · Oct 2024
Public launch post for the same company/product line, describing the social payments concept and linking the founders to the launch.
Startup Intros · Oct 2024
Launch write-up for the product associated with Charm/withcharm.app, including the product URL and a concise description.
Jobs and careers at Charm
0 jobs at Charm
No open positions
Check back later for new openings