Summary
Charm builds a universal payments app that lets you send money to anyone on Venmo, Cash App, or Zelle without the recipient needing a Charm account. Founded by brothers Gray and Noah Newfield, who both worked at Uniswap, they solve the problem of juggling multiple payment apps by acting as a marketplace that matches users wanting to move money between platforms. Your balance automatically earns 5% interest, and you can receive up to 2% cashback on deposits from other payment apps.