{"schemaVersion":1,"profileUrl":"https://nowen.ai/agents/wise-com","markdownUrl":"https://nowen.ai/agents/wise-com.md","jsonUrl":"https://nowen.ai/agents/wise-com.json","name":"Wise US Inc","nickname":"Wise","website":"https://wise.com","industry":"Fintech","status":{"trust":"unclaimed","text":"Unclaimed: compiled by Nowen from public sources, not reviewed by the company"},"updatedAt":"2026-09-07T00:26:26.041Z","summary":"Wise US Inc is a global fintech enabling cross-border money movement and multi-currency accounts for individuals, businesses, and developers.","description":"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.","mission":"To make international money movement simple, transparent and affordable for people and businesses worldwide.","directory":{"industryName":"Fintech","agentCount":133,"indexable":true,"hubUrl":"https://nowen.ai/industry/fintech"},"aiReaderFamilies":["Amazon"],"boonFrontDoor":{"url":"https://boon.ai/agents/wise-com","label":"Apply to Wise US Inc's partner program through Boon","sub":"Your AI agent writes the proposal: who you are, the fit, and a first step."},"products":[{"name":"Wise Personal","type":"Product","url":"https://wise.com/us/account/","summary":"Effortlessly manage your money across borders with Wise Personal's competitive rates and easy global access.","description":"Wise Personal is the Wise consumer account for individuals to send money internationally, spend and convert currencies, and access a Wise Multi-Currency Card.","pricing":{},"features":[{"name":"Send money","value":"Send Money Internationally","valueDescription":"Utilize the mid-market exchange rate to send money overseas with minimal fees, maximizing the amount received by the recipient."},{"name":"Wise Multi-Currency Card","value":"Use Wise Multi-Currency Card","valueDescription":"Spend directly in multiple currencies without worrying about exchange rate markups, and withdraw cash seamlessly across borders."},{"name":"Fee Transparency","value":"Enjoy Transparent Fees","valueDescription":"All service fees are displayed upfront without any hidden charges, ensuring clarity when managing your funds."},{"name":"Receive money","value":"Receive Money From Abroad","valueDescription":"Get paid effortlessly with global account details, allowing you to receive funds in 22 currencies without any hidden fees."},{"name":"Send large amounts","value":"Send Large Amounts","valueDescription":"Transfer large amounts across borders with competitive rates and low fees, ensuring you save on international transfers."},{"name":"Interest on balances","value":"Earn Interest On Balances","valueDescription":"Opt-in to receive interest on your USD, GBP, and EUR balances, benefiting from competitive APY rates and instant access to funds."}]},{"name":"Wise Business","type":"Product","url":"https://wise.com/us/business/","summary":"Empower your business to send, receive, and manage multiple currencies globally with Wise.","description":"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.","pricing":{},"features":[{"name":"Wise Multi-Currency Card","value":"Spend in Multiple Currencies","valueDescription":"Utilize the Wise Multi-Currency Card to make purchases globally, benefitting from competitive exchange rates and no foreign transaction fees."},{"name":"Batch transfers","value":"Execute Bulk Payments Quickly","valueDescription":"Effortlessly manage large volumes of transactions by uploading spreadsheets for batch processing, saving time and reducing errors."},{"name":"Send money to invoices","value":"Pay Suppliers Effortlessly","valueDescription":"Streamline payments to suppliers and service providers directly through invoices, ensuring timely transactions without hassle."},{"name":"Automate payouts via API","value":"Automate Payments Seamlessly","valueDescription":"Integrate Wise's robust API for streamlined payment processing, reducing manual efforts and speeding up transactions."},{"name":"Manage team finances","value":"Control Team Spending","valueDescription":"Set spending permissions and approval workflows, ensuring accountability and controlling expenses within your team."},{"name":"Receive money","value":"Simplify Client Payments","valueDescription":"Easily accept payments in various currencies from clients globally, streamlining your revenue collection process."},{"name":"Connect accounting software","value":"Sync Financial Data Automatically","valueDescription":"Streamline your accounting processes by connecting Wise Business to your preferred software, eliminating manual data entry."},{"name":"Instant access to funds","value":"Access Funds Anytime","valueDescription":"Have complete control of your funds with immediate access for transactions or withdrawals, enabling quick decision-making."},{"name":"Receive interest","value":"Boost Your Funds Passively","valueDescription":"Opt in to earn interest on your business balances, making your money work for you while maintaining instant access."}]},{"name":"Wise Platform","type":"Platform","url":"https://wise.com/platform/","summary":"Empowers businesses to make seamless global payments and manage finances efficiently.","description":"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.","pricing":{},"features":[{"name":"Card issuing","value":"Issue Customisable Debit Cards Worldwide","valueDescription":"Seamlessly connect to our in-house card issuance infrastructure, enabling end customers to spend in multiple currencies at low costs."},{"name":"Global licences","value":"Operate Compliantly","valueDescription":"Benefit from extensive regulatory coverage with our global licenses, ensuring seamless operations."},{"name":"Multi-currency accounts","value":"Manage Multiple Currencies","valueDescription":"Hold and convert money in over 40 currencies easily, making international transactions convenient."},{"name":"Receive payments","value":"Enable Fast Global Payments","valueDescription":"Quickly receive payments across 40+ currencies, enhancing cash flow for your business."},{"name":"Send payouts","value":"Facilitate Global Payouts","valueDescription":"Send payouts swiftly to multiple recipients, improving operational efficiency."},{"name":"Custom onboarding and KYC","value":"Integrate KYC Effortlessly","valueDescription":"Easily integrate onboarding and KYC servicing used by millions of Wise customers into your product."},{"name":"Follow-the-sun support","value":"Get Support Anytime","valueDescription":"Access help from specialists 24/7, ensuring assistance is always available when needed."},{"name":"Swift or API connectivity","value":"Integrate Effortlessly","valueDescription":"Easily connect with Swift or our robust API for seamless transaction processing."},{"name":"Direct access to domestic systems","value":"Enable Fast Payments","valueDescription":"Use our access to domestic payment systems across Australia, Brazil, and more for low-cost and reliable money transfers."},{"name":"Industry-specific solutions","value":"Tailored Financial Solutions","valueDescription":"Utilize customised financial solutions that cater to specific industry needs effectively."}]}],"audiences":[],"segments":[{"name":"Cross-border payments","description":"APIs and infrastructure for compliant, real-time international transfers, FX conversion, and settlement for platforms, fintechs, and banks.","size":60,"cagr":10,"color":1,"productNames":["Wise Personal","Wise Business","Wise Platform"],"methodology":"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.","citations":[{"url":"https://www.fxcintel.com/research/press-releases/new-data-cross-border-payments-market-now-worth-over-194tn-and-is-forecast-to-reach-320tn-by-2032","text":"non-wholesale cross-border payments had a global TAM of $39.9tn in 2024 and is forecasted to grow to $64.5tn in 2032, CAGR of 6.2%."},{"url":"https://www.juniperresearch.com/research/fintech-payments/ecommerce/cross-border-payments-research-report/","text":"$50.8bn Total cross-border payments value in 2026; 23.9% 2026-2030 market growth."}]},{"name":"Multi-currency accounts and treasury management","description":"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.","size":20.3,"cagr":13,"color":2,"productNames":["Wise Business","Wise Personal","Wise Platform"],"methodology":"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.","citations":[{"url":"https://marketintelo.com/report/multi-currency-account-market","text":"Global market valued at $12.8 billion in 2025; expected to reach $32.4 billion by 2034 at CAGR of 12.4%."},{"url":"https://www.coherentmarketinsights.com/market-insight/treasury-management-market-6115","text":"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%."},{"url":"https://www.marketresearchfuture.com/reports/currency-management-market-28784","text":"Currency Management Market Size was estimated at 450.2 USD Billion in 2024; CAGR 6.3% (2025–2035)."}]},{"name":"Global payouts","description":"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.","size":7.5,"cagr":30,"color":3,"productNames":["Wise Business","Wise Platform"],"methodology":"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.","citations":[{"url":"https://www.fortunebusinessinsights.com/real-time-payments-market-110424","text":"The global real-time payments market size was valued at USD 34.16 billion in 2025 and ... CAGR of 34.30%."},{"url":"https://www.researchnester.com/reports/real-time-payments-market/5157","text":"Real-Time Payments Market size was valued at USD 38.6 billion in 2025 ... CAGR 42.9% (2026-2035)."}]},{"name":"Embedded finance and banking-as-a-service","description":"Programmatic financial infrastructure and APIs enabling platforms to embed account onboarding, connected accounts, card issuing, payouts, and payment orchestration into their products.","size":148.38,"cagr":17.8,"color":4,"productNames":["Wise Platform"],"methodology":"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.","citations":[{"url":"https://www.precedenceresearch.com/embedded-finance-market","text":"The global embedded finance market size is estimated at USD 148.38 billion in 2025"},{"url":"https://www.marketsandmarkets.com/Market-Reports/embedded-finance-market-126584658.html","text":"The global embedded finance market, valued at US$99.6 billion in 2023... forecasted to grow at a robust CAGR of 16.8%"},{"url":"https://www.gminsights.com/industry-analysis/banking-as-a-service-market","text":"The global banking as a service market was estimated at USD 24.8 billion in 2025."},{"url":"https://www.persistencemarketresearch.com/market-research/banking-as-a-service-market.asp","text":"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%."},{"url":"https://www.hks.harvard.edu/sites/default/files/centers/mrcbg/Final_AWP_247.pdf","text":"Embedded finance market, projected to reach USD 7.2 trillion by 2030."},{"url":"https://www.pathward.com/news/how-embedded-finance-is-transforming-the-world-of-consumer-banki/","text":"Projected to increase from $22.5 billion in 2020 to $384 billion by 2029, according to KBV Research."}]}],"faq":[],"comparisons":[],"sources":[{"url":"https://wise.com","text":"Wise US Inc"},{"url":"https://wise.com/us/account/","text":"Wise Personal"},{"url":"https://wise.com/us/business/","text":"Wise Business"},{"url":"https://wise.com/platform/","text":"Wise Platform"},{"url":"https://www.fxcintel.com/research/press-releases/new-data-cross-border-payments-market-now-worth-over-194tn-and-is-forecast-to-reach-320tn-by-2032","text":"non-wholesale cross-border payments had a global TAM of $39.9tn in 2024 and is forecasted to grow to $64.5tn in 2032, CAGR of 6.2%."},{"url":"https://www.juniperresearch.com/research/fintech-payments/ecommerce/cross-border-payments-research-report/","text":"$50.8bn Total cross-border payments value in 2026; 23.9% 2026-2030 market growth."},{"url":"https://marketintelo.com/report/multi-currency-account-market","text":"Global market valued at $12.8 billion in 2025; expected to reach $32.4 billion by 2034 at CAGR of 12.4%."},{"url":"https://www.coherentmarketinsights.com/market-insight/treasury-management-market-6115","text":"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%."},{"url":"https://www.marketresearchfuture.com/reports/currency-management-market-28784","text":"Currency Management Market Size was estimated at 450.2 USD Billion in 2024; CAGR 6.3% (2025–2035)."},{"url":"https://www.fortunebusinessinsights.com/real-time-payments-market-110424","text":"The global real-time payments market size was valued at USD 34.16 billion in 2025 and ... CAGR of 34.30%."},{"url":"https://www.researchnester.com/reports/real-time-payments-market/5157","text":"Real-Time Payments Market size was valued at USD 38.6 billion in 2025 ... CAGR 42.9% (2026-2035)."},{"url":"https://www.precedenceresearch.com/embedded-finance-market","text":"The global embedded finance market size is estimated at USD 148.38 billion in 2025"},{"url":"https://www.marketsandmarkets.com/Market-Reports/embedded-finance-market-126584658.html","text":"The global embedded finance market, valued at US$99.6 billion in 2023... forecasted to grow at a robust CAGR of 16.8%"},{"url":"https://www.gminsights.com/industry-analysis/banking-as-a-service-market","text":"The global banking as a service market was estimated at USD 24.8 billion in 2025."},{"url":"https://www.persistencemarketresearch.com/market-research/banking-as-a-service-market.asp","text":"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%."},{"url":"https://www.hks.harvard.edu/sites/default/files/centers/mrcbg/Final_AWP_247.pdf","text":"Embedded finance market, projected to reach USD 7.2 trillion by 2030."},{"url":"https://www.pathward.com/news/how-embedded-finance-is-transforming-the-world-of-consumer-banki/","text":"Projected to increase from $22.5 billion in 2020 to $384 billion by 2029, according to KBV Research."}]}