wise

Wise is a financial technology company that enables international money transfers and multi-currency account management. It serves individuals, freelancers, and businesses that need to send, receive, or hold money across borders. The platform uses the real mid-market exchange rate and charges transparent, upfront fees instead of hidden markups common with traditional banks. Users can hold balances in multiple currencies, get local bank details in several countries, and spend abroad using the Wise debit card. Businesses can also access batch payments, invoicing tools, and API integrations to manage payroll and international transactions at scale.