Charm

Overview

Charm is a universal payments application designed to enable users to send money to anyone regardless of which payment app the recipient uses [1]. Founded in 2024, the company is based in New York City, NY, USA [2] and participated in Y Combinator's Fall 2024 batch [3]. According to Y Combinator's directory, Charm operates with a team size of one [4]. The platform aims to simplify money transfers by consolidating multiple payment applications into a single interface while offering users five percent interest on their account balance [5].

Charm makes sending money as easy as sending email. Most people juggle multiple payment apps and scattered balances. Charm lets you pay anyone — no matter what app they use — and earns you 5% interest on your balance, automatically. [5]

Y Combinator's directory lists the company location as New York City, NY, USA. [2]

Growth & traction

Y Combinator lists a team size of 1. [4]