Wise US Inc Unclaimed
Wise US Inc is a global fintech enabling cross-border money movement and multi-currency accounts for individuals, businesses, and developers.
Wise US Inc is a global fintech that enables cross-border money movement, multi-currency accounts, and spend-and-send capabilities for individuals, businesses, and developers. Serving millions of customers worldwide, Wise operates a global payments network that supports holding and converting currencies, sending money across borders, and paying around the world. The company emphasizes transparency and value, offering competitive rates, low fees, and real exchange rates, backed by strong security and regulatory oversight. Wise positions itself as a platform-enabled financial technology provider that helps people and organizations pay, get paid, and move money quickly, reliably and with full visibility into costs. It serves consumers moving money internationally, businesses paying suppliers and employees, and developers integrating Wise’s functionality into their products via APIs and fintech partnerships.
To make international money movement simple, transparent and affordable for people and businesses worldwide.
What we offer
Wise Personal
Effortlessly manage your money across borders with Wise Personal's competitive rates and easy global access.
wise.com/us/account/Wise Business
Empower your business to send, receive, and manage multiple currencies globally with Wise.
wise.com/us/business/Wise Platform
Empowers businesses to make seamless global payments and manage finances efficiently.
wise.com/platform/Market segments
Market size by segment
Growth potential (CAGR)
Cross-border payments
APIs and infrastructure for compliant, real-time international transfers, FX conversion, and settlement for platforms, fintechs, and banks.
Multi-currency accounts and treasury management
Accounts that hold, convert and manage balances in multiple currencies, offer interest where available, and provide cash management features and accounting integrations for businesses and individuals.
Global payouts
Scalable mass disbursement capabilities including multi-currency payouts, FX management, fraud protection, payout APIs, self-service onboarding, and built-in tax compliance for global suppliers and partners.
Embedded finance and banking-as-a-service
Programmatic financial infrastructure and APIs enabling platforms to embed account onboarding, connected accounts, card issuing, payouts, and payment orchestration into their products.
More information about our offering
Wise Personal
Wise Personal is the Wise consumer account for individuals to send money internationally, spend and convert currencies, and access a Wise Multi-Currency Card.
- Send Money InternationallyUtilize the mid-market exchange rate to send money overseas with minimal fees, maximizing the amount received by the recipient.
- Use Wise Multi-Currency CardSpend directly in multiple currencies without worrying about exchange rate markups, and withdraw cash seamlessly across borders.
- Enjoy Transparent FeesAll service fees are displayed upfront without any hidden charges, ensuring clarity when managing your funds.
- Receive Money From AbroadGet paid effortlessly with global account details, allowing you to receive funds in 22 currencies without any hidden fees.
- Send Large AmountsTransfer large amounts across borders with competitive rates and low fees, ensuring you save on international transfers.
- Earn Interest On BalancesOpt-in to receive interest on your USD, GBP, and EUR balances, benefiting from competitive APY rates and instant access to funds.
Wise Business
Wise Business is the Wise account for startups and scale-ups to thrive internationally, enabling sending and receiving money, business card use, and integration with accounting software.
- Spend in Multiple CurrenciesUtilize the Wise Multi-Currency Card to make purchases globally, benefitting from competitive exchange rates and no foreign transaction fees.
- Execute Bulk Payments QuicklyEffortlessly manage large volumes of transactions by uploading spreadsheets for batch processing, saving time and reducing errors.
- Pay Suppliers EffortlesslyStreamline payments to suppliers and service providers directly through invoices, ensuring timely transactions without hassle.
- Automate Payments SeamlesslyIntegrate Wise's robust API for streamlined payment processing, reducing manual efforts and speeding up transactions.
- Control Team SpendingSet spending permissions and approval workflows, ensuring accountability and controlling expenses within your team.
- Simplify Client PaymentsEasily accept payments in various currencies from clients globally, streamlining your revenue collection process.
- Sync Financial Data AutomaticallyStreamline your accounting processes by connecting Wise Business to your preferred software, eliminating manual data entry.
- Access Funds AnytimeHave complete control of your funds with immediate access for transactions or withdrawals, enabling quick decision-making.
- Boost Your Funds PassivelyOpt in to earn interest on your business balances, making your money work for you while maintaining instant access.
Wise Platform
Wise Platform is a network that banks, financial institutions and enterprises can plug into to power cross-border payments and related experiences. It provides platform products for sending, receiving, card issuing and multi-currency accounts, plus industry-focused solutions and developer API access.
- Issue Customisable Debit Cards WorldwideSeamlessly connect to our in-house card issuance infrastructure, enabling end customers to spend in multiple currencies at low costs.
- Operate CompliantlyBenefit from extensive regulatory coverage with our global licenses, ensuring seamless operations.
- Manage Multiple CurrenciesHold and convert money in over 40 currencies easily, making international transactions convenient.
- Enable Fast Global PaymentsQuickly receive payments across 40+ currencies, enhancing cash flow for your business.
- Facilitate Global PayoutsSend payouts swiftly to multiple recipients, improving operational efficiency.
- Integrate KYC EffortlesslyEasily integrate onboarding and KYC servicing used by millions of Wise customers into your product.
- Get Support AnytimeAccess help from specialists 24/7, ensuring assistance is always available when needed.
- Integrate EffortlesslyEasily connect with Swift or our robust API for seamless transaction processing.
- Enable Fast PaymentsUse our access to domestic payment systems across Australia, Brazil, and more for low-cost and reliable money transfers.
- Tailored Financial SolutionsUtilize customised financial solutions that cater to specific industry needs effectively.
References
Methodology and sourcing behind the figures shown above.
Cross-border payments
Estimated infrastructure/API market size derived from FXC Intelligence retail cross-border flow totals (non-wholesale $39.9tn in 2024). Assuming payment providers capture ~0.5% of flow value in fees/spreads (~$199.5bn total revenue) and that APIs/infrastructure providers take a ~30% share of that revenue (platform, FX, settlement, compliance), yields ~ $60bn. Growth potential set above flow CAGR because infrastructure adoption and modern rails grow faster than volumes: FXC reports retail flows CAGR ~6.2%, while specialist research (Juniper) indicates stronger market growth for infrastructure/services; a 10% CAGR reflects accelerated digitization, API adoption, and fintech/platform spending on real-time FX and settlement solutions.
Multi-currency accounts and treasury management
Estimate derived by combining published market figures for (a) multi-currency accounts and (b) treasury management. Market Intelo reports the multi-currency account market at $12.8B (2025) with a 12.4% CAGR; Coherent Market Insights reports the treasury management market at $7.52B (2026) with a 14.0% CAGR. I summed these like-for-like product/service pools to represent the combined segment (~$20.3B) and used a market-weighted average of the two CAGRs (~13.0%). For context, Market Research Future reports a much larger, broader "currency management" market ($450.2B in 2024, 6.3% CAGR) which covers additional services and scales beyond the narrower account + treasury product scope.
- Global market valued at $12.8 billion in 2025; expected to reach $32.4 billion by 2034 at CAGR of 12.4%.
- Treasury Management Market is estimated to be valued at USD 7.52 Bn in 2026 and expected to reach USD 18.83 Bn in 2033, exhibiting a CAGR of 14.0%.
- Currency Management Market Size was estimated at 450.2 USD Billion in 2024; CAGR 6.3% (2025–2035).
Global payouts
Estimates use global real-time payments market figures from the provided search results as the relevant market umbrella. Fortune Business Insights (2025 RTP market ~USD 34.16B, CAGR 34.3%) and Research Nester (2025 RTP market ~USD 38.6B, CAGR 42.9%) were used as anchors. Global payouts (mass disbursements to suppliers/partners, multi-currency/FX, APIs, compliance) represent a subset of RTP and broader payments rails; I applied a conservative share (≈20–25%) of the 2025 RTP market to arrive at ~USD 7.5B and assumed a slightly lower but still high adoption CAGR (~30%) reflecting rapid digitization, cross-border commerce growth, and RTP adoption noted in the sources.
Embedded finance and banking-as-a-service
Search results show divergent estimates: embedded finance market reports range from ~US$99.6B (2023) to US$148.4B (2025) while BaaS (a subset) is ~US$22–25B in 2025. Forecast CAGRs vary widely (≈16.8%–31.5%). I select the PrecedenceResearch 2025 embedded-finance estimate (USD 148.38B) as the baseline market size and a conservative ~17.8% CAGR (aligned with multiple BaaS and market-research forecasts) to reflect realistic growth for the combined embedded finance + BaaS opportunity given differing methodologies across sources.
- The global embedded finance market size is estimated at USD 148.38 billion in 2025
- The global embedded finance market, valued at US$99.6 billion in 2023... forecasted to grow at a robust CAGR of 16.8%
- The global banking as a service market was estimated at USD 24.8 billion in 2025.
- The global banking as a service market size is likely to be valued at US$22.5 Bn in 2025... reach US$70.8 Bn by 2032, growing at a CAGR of 17.8%.
- Embedded finance market, projected to reach USD 7.2 trillion by 2030.
- Projected to increase from $22.5 billion in 2020 to $384 billion by 2029, according to KBV Research.
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