Description.
Wise Platform is the B2B infrastructure division of Wise Plc (LSE: WISE, Nasdaq: WISE), the global technology company building the best way to move money around the world. Co-founded in 2011 by Taavet Hinrikus and Kristo Käärmann (CEO), Wise was originally known as TransferWise before rebranding in 2021. The company is headquartered in London with global offices across New York, Budapest, Singapore, Tallinn, Tampa, Tokyo, Sydney, and Austin. Wise Platform enables banks, financial institutions, and enterprises to embed Wise's cross-border payments infrastructure directly into their products via API or Swift, covering 160+ countries and 40+ currencies with 75% of payments arriving in under 20 seconds.Â
Wise Plc is a publicly listed company dual-listed on the London Stock Exchange (WISE) and Nasdaq (WISE, debuted May 2026). The group holds 80 licences worldwide, is authorized by the UK Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference 900507), and operates through regulated entities including Wise Europe SA (Belgium) and Wise Payments Limited. FY26 metrics: 18.9 million customers, £14BN held in customer accounts, $185.2 billion cross-border volume (FY25), $2.1 billion net revenue (FY25), and 34% income before tax margin. The company employs 10,529 people globally with 950+ engineers, processes 7 million automated compliance checks daily, and has issued over 11 million cards. Wise is profitable and has been recognized as one of the world's fastest-growing technology companies.
Key Infrastructure.
Global Payment Payouts (Send)
Infrastructure enabling banks and enterprises to send cross-border payments to 160+ countries in 40+ currencies with 75% of transfers arriving under 20 seconds, 96% under 24 hours, direct access to domestic payment systems in 8 markets, and a greater than 99% straight-through processing rate via API or Swift integration.
White-Label Card Issuing
In-house card issuance infrastructure allowing partners to issue custom-branded physical and digital Visa and Mastercard debit cards with multi-currency BINs, Apple Pay and Google Pay support, real-time fraud detection, intelligent settlement accounts, and coverage backed by 80 global licences with over 11 million cards already issued.
Multi-Currency Accounts
Full-featured multi-currency account infrastructure that banks and platforms can embed into their own products, enabling end-customers to hold, convert, send and receive money in 40+ currencies with local account details in 23+ countries and £14 billion currently held across Wise customer accounts worldwide.
Global Payment Receiving (Receive)
Payment receiving infrastructure enabling partner institutions to offer their customers the ability to receive cross-border payments in 40+ source currencies with a 100-minute median payment speed, connecting via a simple webhook integration while Wise handles Swift network integrations and compliance on behalf of the partner organization.
Compliance & KYC Infrastructure
Built-in regulatory compliance stack processing 7 million automated checks daily at 80 per second with 99% of end-to-end compliance checks completing in under one second, combining in-house built fraud detection models, local compliance teams, and automated transaction monitoring across 80 global licences for partner-ready deployment.
Correspondent Banking Services (Swift)
Bank-grade correspondent banking infrastructure enabling financial institutions to send Swift messages directly into Wise's global payment network for cross-border settlement, offering real-time, dependable correspondent services with direct access to domestic payment systems in Australia, Brazil, Europe, Hungary, Japan, the Philippines, Singapore, and the United Kingdom.
Additional Features.
Mid-Market FX Rate Engine
All payments use the real mid-market exchange rate with no markup, transparent fees disclosed upfront, and savings of up to 8x versus traditional bank FX spreads typically embedding 2-5% hidden charges.
Customisable Onboarding & KYC
Partners can plug in Wise's comprehensive customer onboarding and KYC capabilities already used by millions of Wise customers, making regulatory compliance available within their own product experience.
24/7 Global Customer Support
Over 4,000 support agents across 11 key locations providing follow-the-sun worldwide coverage, with dedicated implementation support teams guiding partners from project initiation through launch with structured workstreams and deep-dive workshops.
Multi-Currency Settlement
Card-issuing partners can open settlement accounts in their choice of currencies with smart conversion on transactions, multi-currency BINs, and intelligent treasury management to control costs on cross-border card spending.
API Developer Platform
Comprehensive REST API documentation at docs.wise.com enabling seamless programmatic integration for payment initiation, balance management, webhook notifications, and transaction tracking with rapid completion timelines for partner integrations.
Industry-Specific Solutions
Tailored infrastructure packages for banks and financial institutions, education platforms, marketplaces, spend management, travel platforms, and workforce platforms with pre-built workflows designed for each vertical's specific cross-border payment requirements.
