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About Us

About StatesPay: Modern Banking Solutions for SMEs and Freelancers


Who We Are

StatesPay is a U.S.-based neobank built by Charo Digital Inc., a NJ-registered fintech company dedicated to simplifying financial management for small businesses, freelancers, and remote teams. Founded by a team passionate about bridging gaps in traditional banking, we combine cutting-edge technology with a compliance-first approach to empower the modern workforce.

  • 📍 Headquarters: 23 Keswick Cir, Monroe Township, NJ 08831, USA
  • 🌍 Global Team: Remote experts across Nepal and the U.S., united by innovation.
  • 🚀 Beta Success: Manually onboarded and validated by 900+ users during our pre-launch phase.

What We Do

We provide fee-friendly, secure, and intuitive financial tools designed for today’s dynamic entrepreneurs:

  • FDIC-Insured Accounts: Safeguard funds through partner banks.
  • Virtual & Physical Cards: Instant issuance with customizable spending controls.
  • Seamless Transfers: ACH, P2P, and bill pay in seconds.
  • Financial Tools: Automated invoicing, tax tracking, and cash flow analytics.

Why Choose Us

  1. Founder-Led Insight: Built by freelancers, for freelancers.
  2. Compliance-First:
    • FinCEN-registered MSB (#31938472930).
    • AML/KYC protocols and 24/7 fraud monitoring.
  3. Beta-Validated: Refined through direct feedback from 900+ early users.

Our Commitment

  • Security: AES-256 encryption and SOC 2-compliant infrastructure.
  • Transparency: No hidden fees, no jargon. Ever.
  • Support: Real humans, real help. Reach us at:

The Road Ahead

  • 2025: Launch automated banking with BaaS partnerships with target of 10,00,00 customers.
  • 2026: Expand to multi-currency accounts and embedded lending.