Wise (WSE) investor relations material

Business model and infrastructure

• Focus on building a proprietary global payments infrastructure enabling instant, low-cost cross-border transfers, with 77% of transactions completed in under 20 seconds and an average take rate of 50 basis points.

• Direct connections to nine domestic payment systems and partnerships with over 90 banks, supported by more than 80 licenses worldwide.

• Infrastructure investments have led to a competitive advantage, attracting both banks and fintechs as partners.

Platform and product expansion

• Platform business has grown from 0% to 6% of cross-border volume in five years, with a target of 10% within three years.

• Onboarding partners is streamlined via API, enabling rapid integration, especially with neobanks.

• Wise Account adoption has reached 66% of retail and 60% of business customers, supporting multi-currency holdings and debit card usage.

• New features include Wise Assets in New Zealand, QR code payments in Malaysia, and travel perks for account holders.

Revenue diversification and business integration

• 51% of net revenue now comes from non-cross-border sources, reflecting successful product diversification.

• Business solutions include invoicing in 23 languages, multi-currency accounts, and integration with local accounting software to increase SME stickiness.