Charm – Cash & Rewards

May the best money win | Coming August 2026 | Backed by YC

[Gianluca Minoprio @gminoprio]

Currency Competition

[Gray Newfield @gray_newfield]

YC is the YC for crypto

[Charm – Cash & Rewards @CharmRewards]

Is there anything cooler than paying your tab with GP?

[Gray Newfield @gray_newfield]

I am

[Charm – Cash & Rewards @CharmRewards]

🧿❤️✳️

[Daimo @daimo_com]

Integrate Daimo once and offer the best local deposit options in every country where your users are

Try it now at daimo[.]com/account

[Charm – Cash & Rewards @CharmRewards]

Charm 🤝 @Square

Bitcoin is money

[Gray Newfield @gray_newfield]

First IRL payment with Charm Cash in the capital of the free world. 🇺🇸

Tendies, a bucket of Surfside, and bitcoin at @PubKey?

Dream night out.

Cheers! 🍻🧿

[Gray Newfield @gray_newfield]

Just to be clear, this isn't true.

I say this without malice. I'm a supporter of X, Elon, and Nikita. But if this is the town square and we care about seeking the truth, let's be accurate.

"Can't" is a description of technical capability. The only account a company truthfully "can't" freeze is a self-custody wallet where you hold the private key.

The word Nikita is looking for is "won't." When you use XMoney, you're trusting that they won't suspend your account. And to be clear: I do trust him. I wholeheartedly believe Nikita is being honest about XMoney's policies and has the integrity to execute them faithfully.

So why be pedantic? Because crypto takes a lot of criticism on this platform, often from Nikita himself, and he's often right. The industry has deep issues and plenty of shady characters. But the one thing crypto unquestionably gets right is that self-custody is an essential ingredient to the future of freedom.

Even if your account is never suspended, the fact that it can be means every wonderful experience you have on XMoney happens with the permission of the people who run the platform. Today, those people are Elon and Nikita. Tomorrow, just like Twitter before Elon, they may not be.

[Gianluca Minoprio @gminoprio]

Currency competition bible

[Gray Newfield @gray_newfield]

I absolutely love this idea.

This is obviously better than vanilla stablecoins because the physical interface of holding, exchanging, and accepting bills is already understood by everyone – no new hardware or software required.

And it’s better than traditional cash because you can freely customize the units and design.

One thought this inspired me to consider is what if you combine it with the issuance mechanism being used by CADC and JPYC. When people go to withdraw from your ATM, instead of dispensing cash, it prints the bills on the spot and mints the corresponding tokens onchain.

Maybe one day people could even have the printers in their homes? You wouldn’t want the streets flooded with useless bills, but as long as it’s easy to verify that the onchain tokens are unspent, the integrity of the currency is preserved. In other words, counterfeiting is more or less equivalent to the double spend problem, which blockchains already solve perfectly.

If currencies are meant to compete, then they’re meant to compete through all mediums, including physical cash. This is one of those ideas that feels inevitable.

[Gianluca Minoprio @gminoprio]

https://t.co/PQYBYMmIAY

[Bitcoin at Block @BitcoinatBlock]

@gray_newfield thx for visiting our ₿lock!

[Square @Square]

@gray_newfield nice pic with the camera 🧡 hope to see you two at the next Corner Store

[Gray Newfield @gray_newfield]

💯💯💯

You’re exactly right. Apple Pay feels magical because all of the friction has been removed.

Why make the user review the amount being paid when it’s already displayed on the terminal and the fees are negligible? Why force the user to confirm again when they’ve already done so implicitly via Face ID?

Crypto wallets generally have way too many multi-step flows with lots of advanced options. I’m still haunted from my first experience with MetaMask when I had to manually set the nonce to replace a stuck transaction.

What Apple is so good at is understanding the user’s context and intent. If you’re standing in front of a cashier with your phone out, your wallet open, and a card selected, we can be 99.99% sure that you’re ready to pay, so they make the rest fast and painless. It sounds small, but I think that’s where the magic comes from - when you use an Apple product you feel understood; it feels like someone cares about you.

Apple Pay is so smooth that the flow can be completed unconsciously. No thinking required. It just feels natural like a handshake. Steve was right when he said the goal is to make these devices and apps feel like an extension of ourselves.

The bar is high. More work to do!

[Gianluca Minoprio @gminoprio]

This is real tap to pay. I don’t think people fully get it from the video.

Press the Action Button (available on every iPhone since the 15 Pro) → open @USDCharm -> Face ID to trigger scanning mode → tap the reader → get the quote and auto-pay

This is what I expect when people talk about tap to pay for Lightning.

I’m going to daily-use it once Square auto-updates merchants

[Charm – Cash & Rewards @CharmRewards]

@gray_newfield 🧿🔥🧿🔥🧿

[Charm – Cash & Rewards @CharmRewards]

Thank you @Square! Charmanders are ready to tap!

[Gray Newfield @gray_newfield]

The screen is lava. Just tap.

[Charm – Cash & Rewards @CharmRewards]

@gray_newfield 💯

[Charm – Cash & Rewards @CharmRewards]

@gray_newfield @gminoprio You can’t win if you don’t play

[Charm – Cash & Rewards @CharmRewards]

👀🅱️🧿

[Gray Newfield @gray_newfield]

Play the California 🅱️lottery

Follow us @gminoprio @USDCharm for a chance to win bits 👀🧿

[Charm – Cash & Rewards @CharmRewards]

@gray_newfield Can’t win if you don’t play 👀🧿

[Charm – Cash & Rewards @CharmRewards]

You can’t win if you don’t play 👀🧿

[Gray Newfield @gray_newfield]

Play the California 🅱️lottery