The intelligent batteries do effectively have the "charger" built-in.
You do need the voltage but the intelligence will limit the current.
When converting from one voltage to another, consider watts, as that will be equal on both sides, not accounting for efficiency loss.
For the same amount of watts, when the voltage goes up, the needed current goes down.
There are USB chargers that will put out as much as 20v or more, needed for laptops and the like, but the default will be 5v unless the device being charged negotiates a higher voltage using the data lines. After all, you wouldn't want to push 20v into a device that only accepts 5v.
You do need the voltage but the intelligence will limit the current.
When converting from one voltage to another, consider watts, as that will be equal on both sides, not accounting for efficiency loss.
For the same amount of watts, when the voltage goes up, the needed current goes down.
There are USB chargers that will put out as much as 20v or more, needed for laptops and the like, but the default will be 5v unless the device being charged negotiates a higher voltage using the data lines. After all, you wouldn't want to push 20v into a device that only accepts 5v.