Charms and Seals are real, current systems - the Talisman, introduced with the Lord of Hatred expansion - not something we're guessing at. Here's what they actually are and where they come from.
The Talisman is a separate itemization tab added in Lord of Hatred that layers set-item-style bonuses on top of your existing gear, without taking over any of your equipment slots. It unlocks after finishing the Last of the Horadrim questline. It has 7 total sockets: one center socket for a Horadric Seal, and 6 outer sockets arranged around it for Charms.
A Horadric Seal goes in the center socket and determines how many of the 6 outer Charm sockets are active and how many can hold unique-rarity Charms. Higher-rarity Seals unlock more slots: most Legendary Horadric Seals open 5 of the 6 outer sockets, and Mythic Unique Horadric Seals open all 6. Seals carry their own affixes on top of that (bonus damage tied to specific Charm sets, resource generation, and similar effects), and can be rerolled like other gear.
Charms fill the outer sockets and come in four rarities: Magic (1 affix), Rare (2 affixes), Unique (2 affixes plus a unique power), and Set (class-specific or generic set bonuses that scale up at 2/3/5-piece thresholds). Unique Charms are worth calling out specifically - they carry the same power as their equivalent Unique gear item but in charm form, which frees up the actual gear slot for something else.
Charms are pure world loot - they start dropping from regular kills, dungeon chests, and endgame activities once the Talisman is unlocked, and are not sold by merchants or handed out as quest rewards. Drop quality scales hard with Torment difficulty: Set Charms become common around Torment 3, Unique Charms around Torment 8, and Mythic Horadric Seals specifically don't show up in meaningful numbers until Torment 10+. Two targeted methods stand out: running War Plans through the command table in Temis, and starting Undercity runs with a Tribute of the Horadrim (a Lesser Tribute can be crafted at the Occultist; higher tiers come from World Bosses and War Plan completions and yield better drops).
Season 14's target-farming loop for Uniques and Mythic Uniques runs through a new seasonal system: farm Pandemonium Ruptures to spawn a Realmwalker, defeat it to open a Deathtoll Chamber, clear the chamber for Superior Lair Keys, then spend those keys to fight the Corrupted Reaper and open its Hoard - currently the single best drop-chance source for Mythic Uniques and the Pandemonium Fragments needed to upgrade a regular Unique into a Mythic one via the Horadric Cube. Everything here scales with Torment tier, so pushing difficulty as soon as your build can handle it is worth more than grinding longer at a low tier.
Sources: Diablo 4 Wiki / Fextralife (Talisman System Guide) · GAMES.GG (Jun 9, 2026) · MmoGah (Jul 3, 2026, Corrupted Reaper pipeline)