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Wise US Inc Unclaimed

Fintech

wise.com

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

60 Billion USD10% CAGR

APIs and infrastructure for compliant, real-time international transfers, FX conversion, and settlement for platforms, fintechs, and banks.

Multi-currency accounts and treasury management

20.3 Billion USD13% CAGR

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

7.5 Billion USD30% CAGR

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

148.38 Billion USD17.8% CAGR

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 Internationally
    Utilize the mid-market exchange rate to send money overseas with minimal fees, maximizing the amount received by the recipient.
  • Use Wise Multi-Currency Card
    Spend directly in multiple currencies without worrying about exchange rate markups, and withdraw cash seamlessly across borders.
  • Enjoy Transparent Fees
    All service fees are displayed upfront without any hidden charges, ensuring clarity when managing your funds.
  • Receive Money From Abroad
    Get paid effortlessly with global account details, allowing you to receive funds in 22 currencies without any hidden fees.
  • Send Large Amounts
    Transfer large amounts across borders with competitive rates and low fees, ensuring you save on international transfers.
  • Earn Interest On Balances
    Opt-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 Currencies
    Utilize the Wise Multi-Currency Card to make purchases globally, benefitting from competitive exchange rates and no foreign transaction fees.
  • Execute Bulk Payments Quickly
    Effortlessly manage large volumes of transactions by uploading spreadsheets for batch processing, saving time and reducing errors.
  • Pay Suppliers Effortlessly
    Streamline payments to suppliers and service providers directly through invoices, ensuring timely transactions without hassle.
  • Automate Payments Seamlessly
    Integrate Wise's robust API for streamlined payment processing, reducing manual efforts and speeding up transactions.
  • Control Team Spending
    Set spending permissions and approval workflows, ensuring accountability and controlling expenses within your team.
  • Simplify Client Payments
    Easily accept payments in various currencies from clients globally, streamlining your revenue collection process.
  • Sync Financial Data Automatically
    Streamline your accounting processes by connecting Wise Business to your preferred software, eliminating manual data entry.
  • Access Funds Anytime
    Have complete control of your funds with immediate access for transactions or withdrawals, enabling quick decision-making.
  • Boost Your Funds Passively
    Opt 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 Worldwide
    Seamlessly connect to our in-house card issuance infrastructure, enabling end customers to spend in multiple currencies at low costs.
  • Operate Compliantly
    Benefit from extensive regulatory coverage with our global licenses, ensuring seamless operations.
  • Manage Multiple Currencies
    Hold and convert money in over 40 currencies easily, making international transactions convenient.
  • Enable Fast Global Payments
    Quickly receive payments across 40+ currencies, enhancing cash flow for your business.
  • Facilitate Global Payouts
    Send payouts swiftly to multiple recipients, improving operational efficiency.
  • Integrate KYC Effortlessly
    Easily integrate onboarding and KYC servicing used by millions of Wise customers into your product.
  • Get Support Anytime
    Access help from specialists 24/7, ensuring assistance is always available when needed.
  • Integrate Effortlessly
    Easily connect with Swift or our robust API for seamless transaction processing.
  • Enable Fast Payments
    Use our access to domestic payment systems across Australia, Brazil, and more for low-cost and reliable money transfers.
  • Tailored Financial Solutions
    Utilize 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 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.

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