&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

Your new global wallet that does it all.

Wallet Balance
$ 2400
.00
Add
Send
Receive
More
Recent Transactions
JM
Jack Mayors
+$20.25
Nov 14th, 5:12 PM
SA
Simon A.
+$10.50
Nov 12th, 3:12 PM
JM
Lisa R.
+$50.05
August 14 at 5:12AM
JH
Travel Account
Your wallet. Your rules.
Charter is non-custodial by design, so your money stays under your control. Layered security and recovery options help you stay protected without giving up ownership.
Wallet Balance
$ 3250
.00
SH
MJ
Family Account
Save together, stay in sync.
Create shared accounts for family, partners, or friends. Set goals, track progress, and keep everything clear. So saving together feels effortless, not messy.
Make it feel like yours.
Tailor the experience to match your life. Set personal wallpapers per account, so your wallet reflects your needs and taste, or choose our defaults.
Spend like a local, anywhere.
Use a dedicated travel account to separate trips from daily life. Spending that feels native, so you can focus on the moment, not the math
Hold stable dollars and euros.
Keep your balance in digital USD or EUR to reduce currency swings. Move in and out when you need to, and stay ready to spend, send, or save at any time.

Wallet Balance
$ 2400
.00
Add
Send
Receive
More
Recent Transactions
JM
Jack Mayors
+$20.25
Nov 14th, 5:12 PM
SA
Simon A.
+$10.50
Nov 12th, 3:12 PM
JM
Lisa R.
+$50.05
August 14 at 5:12AM
JH
Travel Account
Your wallet. Your rules.
Charter is non-custodial by design, so your money stays under your control. Layered security and recovery options help you stay protected without giving up ownership.
Wallet Balance
$ 3250
.00
SH
MJ
Family Account
Save together, stay in sync.
Create shared accounts for family, partners, or friends. Set goals, track progress, and keep everything clear. So saving together feels effortless, not messy.
Make it feel like yours.
Tailor the experience to match your life. Set personal wallpapers per account, so your wallet reflects your needs and taste, or choose our defaults.
Spend like a local, anywhere.
Use a dedicated travel account to separate trips from daily life. Spending that feels native, so you can focus on the moment, not the math
Hold stable dollars and euros.
Keep your balance in digital USD or EUR to reduce currency swings. Move in and out when you need to, and stay ready to spend, send, or save at any time.

Your new home base for everyday money. From daily spending to long-term savings, 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.

Your wallet. That goes beyond borders.

Meet the upgrade.

The new golden standard.

Charter wallet goes beyond payments. We got you covered for all your financial needs.

Built for payroll, earnings, and expenses.

Get paid faster, earn along the way, and keep spending in check. All in one place.

$125.00

Total earned today

Salary Overview

Hourly payments let you receive your earnings as you work, with your balance updating every working hour.

TOTAL Amount

$200

Duration

8 hr

PROGRESS

60%

􀇱

Payroll Stream · Active

$125.00

Total earned today

Salary Overview

Hourly payments let you receive your earnings as you work, with your balance updating every working hour.

TOTAL Amount

$200

Duration

8 hr

PROGRESS

60%

􀇱

Payroll Stream · Active

$125.00

Total earned today

Salary Overview

Hourly payments let you receive your earnings as you work, with your balance updating every working hour.

TOTAL Amount

$200

Duration

8 hr

PROGRESS

60%

􀇱

Payroll Stream · Active

Dynamic Payroll

Still waiting on your paychecks? That is now a thing of the past. Receive your hard-earned money not after 30 days but after every work shift with hourly streamed payroll.

Earn 4.50% APY

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.

$145.50

Total weekly spent

Expenses Overview

Stay ahead of due dates, understand your spending trends, and spot the categories that need extra attention.

Budget

$350

Remaining

$200

Upcoming

Netflix

Scheduled at 13 DEc

-$14.99

Trend details

See ALL

Weekly Total Spent

$250.75

+12% from last week

$145.50

Total weekly spent

Expenses Overview

Stay ahead of due dates, understand your spending trends, and spot the categories that need extra attention.

Budget

$350

Remaining

$200

Upcoming

Netflix

Scheduled at 13 DEc

-$14.99

Trend details

See ALL

Weekly Total Spent

$250.75

+12% from last week

$145.50

Total weekly spent

Expenses Overview

Stay ahead of due dates, understand your spending trends, and spot the categories that need extra attention.

Budget

$350

Remaining

$200

Upcoming

Netflix

Scheduled at 13 DEc

-$14.99

Trend details

See ALL

Weekly Total Spent

$250.75

+12% from last week

Expense Management

Keeping up with bills and other expenses can be a real pain. Hence why we made sure that all your most important financial data is one clean overview.

Get paid as you work.

Payroll every hour, day week or month.

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.

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.

All in one place.

The upgrade your money deserves.

Turn time into pay.
See your pay build in real time, hour by hour. Charter updates your balance as you work, so you can plan bills and spend sooner today.
Progress at a glance.
Keep Charter on your Lock Screen with Live Activity. Track progress to your next payout at a glance, with timing, amount, and status always visible there.
Watch your balance grow.
Put spare cash to work, instantly. Charter Earn shows your balance growing with a simple arc, so you know what you’re earning without checking charts daily.
Know what’s next.
Know what tomorrow looks like before it arrives. See daily and weekly earnings forecasts, plus history, so you can decide when to add more or withdraw.
Stay ahead of spending.
Understand your spending without spreadsheets. We highlight trends, budgets, and upcoming charges, so you can catch surprises early and stay on track all month too.

Turn time into pay.
See your pay build in real time, hour by hour. Charter updates your balance as you work, so you can plan bills and spend sooner today.
Progress at a glance.
Keep Charter on your Lock Screen with Live Activity. Track progress to your next payout at a glance, with timing, amount, and status always visible there.
Watch your balance grow.
Put spare cash to work, instantly. Charter Earn shows your balance growing with a simple arc, so you know what you’re earning without checking charts daily.
Know what’s next.
Know what tomorrow looks like before it arrives. See daily and weekly earnings forecasts, plus history, so you can decide when to add more or withdraw.
Stay ahead of spending.
Understand your spending without spreadsheets. We highlight trends, budgets, and upcoming charges, so you can catch surprises early and stay on track all month too.

Your wallet. Your money.

Security that is always on.

100% Non-custodial

Peace of mind with your money shouldn’t be optional. Charter pairs advanced biometrics, resilient recovery, and cryptographic safeguards in a fully non-custodial wallet. Owned and 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 Account 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.

This is what money should feel like.

This is what money should feel like.

Your new global wallet that does it all.

$ 2400

.00

$ 3250

.00

$ 2400

.00

$ 3250

.00

Your new home base for everyday money. From daily spending to long-term savings, all in one place.

Your new home base for everyday money. From daily spending to long-term savings, all in one place.