Charm

Charm is a universal payments app designed to simplify digital cash transactions across various platforms. It allows users to send money to anyone without the need for a separate account, making it accessible and user-friendly. Charm operates similarly to a marketplace, where payments are facilitated by matching users on different platforms, such as Venmo, Cash App, or Zelle. This innovative approach eliminates the need for users to juggle multiple apps for different payment services, streamlining the process of sending and receiving money.