MAKE YOUR

MONEY MOVE

MAKE

YOUR

MONEY

MOVE

This is what money should feel like.

Your new global wallet for international payments, payroll, and savings.

This is what money should feel like.

Your new global wallet for international payments, payroll, and savings.

Introducing Charter Wallet

The new gold standard.

A global account to send money fast, receive locally, and manage everything in one secure place.

Introducing Charter Wallet

The new gold standard.

A global account to send money fast, receive locally, and manage everything in one secure place.

Your new home base for everyday money. From daily spending to global payments, all in one place.

Supported by world-class financial partners

Global payments

Sending money has never been easier.

Pick a recipient. Send in seconds.
Choose a saved contact or add a bank recipient in a few taps. Charter routes payouts to supported banks across the US, EU, MXN, and BRL.
Your own USD & EUR accounts.
Get paid like a local with virtual USD/EUR details. Receive from clients or employers abroad, then move funds when you’re ready.
One balance, any currency.
Select a currency to preview what they’ll receive. Send USDC globally, with clear, real-time conversions before you confirm.
Confirm the total. Move instantly.
Set the amount and see settlement speed upfront, your USDC moves in seconds. Cashing out? ACH and PIX land fast, with clear totals before you send.
A receipt you can trust.
Track every step with timestamps, fees, and status. Supported bank payouts today in the US, EU, Mexico, and Brazil.

Pick a recipient. Send in seconds.
Choose a saved contact or add a bank recipient in a few taps. Charter routes payouts to supported banks across the US, EU, MXN, and BRL.
Your own USD & EUR accounts.
Get paid like a local with virtual USD/EUR details. Receive from clients or employers abroad, then move funds when you’re ready.
One balance, any currency.
Select a currency to preview what they’ll receive. Send USDC globally, with clear, real-time conversions before you confirm.
Confirm the total. Move instantly.
Set the amount and see settlement speed upfront, your USDC moves in seconds. Cashing out? ACH and PIX land fast, with clear totals before you send.
A receipt you can trust.
Track every step with timestamps, fees, and status. Supported bank payouts today in the US, EU, Mexico, and Brazil.

Pick a recipient. Send in seconds.
Choose a saved contact or add a bank recipient in a few taps. Charter routes payouts to supported banks across the US, EU, MXN, and BRL.
Your own USD & EUR accounts.
Get paid like a local with virtual USD/EUR details. Receive from clients or employers abroad, then move funds when you’re ready.
One balance, any currency.
Select a currency to preview what they’ll receive. Send USDC globally, with clear, real-time conversions before you confirm.
Confirm the total. Move instantly.
Set the amount and see settlement speed upfront, your USDC moves in seconds. Cashing out? ACH and PIX land fast, with clear totals before you send.
A receipt you can trust.
Track every step with timestamps, fees, and status. Supported bank payouts today in the US, EU, Mexico, and Brazil.

A global account. That truly goes beyond borders.

Meet the upgrade.

A single place to handle it all.

Manage your payroll, savings and expenses. All in a single and clean overview.

Don't let your money sit idle.

Earn up to 4.50% APY on savings.

Two people admire a misty mountain landscape view.

Put your money to work with Earn from Charter. Earn up to 4.50% APY on your savings in our vaults. Deposit and withdraw whenever you like.

Get paid as you work.

Payroll every hour, day week or month.

Earn now.
Spend later.

Never wait on payroll again.

Charter Live Activity Widget App Showcase

Earn now.
Spend later.

Never wait on payroll again.

Earn now.
Spend later.

Never wait on payroll again.

Earn now.
Spend later.

Never wait on payroll again.

Real time

Instant

Your schedule

Flexible

Spend Today

Available

Waiting weeks for money you already earned doesn’t make sense. With Charter, your pay can arrive as you work so you can spend or save when you need to.

Security that is always on.

Highest grade security

Woman in sunglasses pointing, soft focus. Outdoor portrait.

Your wallet.

Your money.

Your wallet.

Your money.

100% Non-custodial

Charter pairs advanced biometrics, resilient recovery, and cryptographic safeguards in a fully non-custodial wallet. Meaning your funds are controlled by you alone.

Passkeys & Biometrics

Sign in and approve with Face ID or Touch ID. Charter uses passkey signing backed by your device’s secure enclave, so your keys stay protected. No passwords to steal, and no extra steps to remember.

Account recovery

Lose a device or get locked out. You can restore access with secure recovery options, so your wallet isn’t tied to a single phone forever. Your keys stay yours, always.

FAQ

How does Charter work?

Charter Wallet is diﬀerent from other financial apps you may have used before. Your Charter Wallet is self-custodial. This means that you own and control access to the money in your wallet. Your ownership is secured using a private cryptographic key, which is generated for you during setup. Money in your Charter Wallet is digital currency. It is held in your Charter Wallet as digital dollars, a digital currency issued by Circle Internet Financial. We always display the value of your Wallet balance and all transfers in both digital dollars or digital euros, and government-issued currency of your choice, like USD, EUR, or BRL.

How long do transfers take?

How secure is my Charter Wallet?

With Charter Wallet, you own and control the money in your wallet. Access to your wallet is controlled using a private key from a secure enclave (iPhone) or a trusted execution environment (TEE) (Android). This key is securely generated and stored on your phone, and is protected by your phone’s unique cryptographic security system and your biometrics (Face ID or fingerprints). Your private key is the only way to access your wallet. No one other than you can access your key, including Charter Labs. This means that you are always in control of your wallet. Wallets that work like this are known as self-custody wallets.

Why is my balance in digital dollars

Which payment methods are supported?

Learn about the diﬀerent ways you can add money to your Charter Wallet. Charter’s Virtual Bank Accounts lets you receive and deposit money in US dollars, euros, Mexican pesos, or Brazilian reais, even if you don’t live in those countries. *Conditions apply When a deposit arrives to your virtual bank account, it is automatically converted to the primary currency of your Charter Wallet. Charter’s Virtual Account’s are oﬀered in partnership with Hifi Bridge LLC.

Security

Security

Security

Security

This is what money should feel like.

This is what money should feel like.

The new gold standard.

The new gold standard.

Your new home base for everyday money. From daily spending to global payments, all in one place.

Your new home base for everyday money. From daily spending to global payments, all in one place.

Sending money has never been easier.

A global account. That truly goes beyond borders.

Meet the upgrade.

A single place to handle it all.

Earn up to 4.50% APY on savings.

Payroll every hour, day week or month.

Earn now.Spend later.

Earn now.Spend later.

Earn now.Spend later.

Earn now.Spend later.

Real time

Your schedule

Spend Today

Highest grade security

Your wallet.

Your money.

Your wallet.

Your money.

FAQ

How does Charter work?

How long do transfers take?

How secure is my Charter Wallet?

Why is my balance in digital dollars

Which payment methods are supported?

Earn now.
Spend later.

Earn now.
Spend later.

Earn now.
Spend later.

Earn now.
Spend later.