← Embedded Finance Index 2026/Vendor

Wise

Provider
FX / PayoutsPSP

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 19 companies across 2 categories.

wise.com ↗Also analysed as a company — its own stack →
CategoriesFX / Payouts, PSP
Rank#10 of 165 in FX / Payouts
Buyers19 companies
TickerLON:WISE
Market cap~$11B
IPO2021
Pre-IPO raised$396M
RegulatoryDenied · National trust bank
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Charter application · Denied
Wise National Trust · National trust bank · OCC · Austin, TX.
Denied · Corporate Decision 1381 (denial) · 2026-07-21
Trust charter that would have given Wise direct access to US payment rails without a sponsor bank. The OCC denied the application after its field investigation; the letter says a subsequent application would need to address the reasons for the denial.
OCC letter ↗
The Wise family
74 companies use the Wise family
Unique buyers across 2 brands Wise owns, deduped (a company using more than one is counted once). The per-brand rows below don’t add up to this total for that reason.
Wise Platform58
native product
WisePARENT19
Who uses Wise
19 companies disclose Wise in their stack
WebexpensesMercuryMelioGCashParkerMorgan StanleyEtsyUniCreditM-PesaMagentoSyncteraProxtera+7 more
Buyer mix · 19 of 19 classified
Fintech / SMB banking · 4Bank / National · 2Fintech / Neobank · 2Marketplace / Two-sided · 2E-commerce / Platform · 1Fintech / Cross-border banking (immigrant neobank) · 1Fintech / Cross-border payments · 1Fintech / Mobile Money · 1
US · 10APAC · 3EU · 2UK · 1Africa · 1LATAM · 1
What the disclosures say
Webexpenses
“Webexpenses is an expense management SaaS; employee reimbursements flow via Wise Platform (classified under fx_payouts) and card transactions via Adyen (classified under banking_accounts).”
Melio
“Homepage footnote: 'International payments services provided by Wise US Inc.' International payments page lists supported corridors and currencies.”
Parker
“Parker's own help center article (help.getparker.com) instructs users to sign up for 'TransferWise aka Wise' to send international wires in foreign currencies.”
Morgan Stanley
“BusinessWire press release (2024-12-17): 'Morgan Stanley Selects Wise Platform to Enhance Payments Capabilities for Corporate Clients' — confirmed by Wise blog (wise.com/gb/blog/wise-morgan-stanley) and Bloomberg coverage.”
Etsy
“Wise Help Centre documents Etsy seller payouts to Wise account details.”
UniCredit
“Wise Newsroom press release (July 15 2025) explicitly names UniCredit and Wise Platform partnership for fast, secure foreign-currency payments embedded in UniCredit mobile banking app, starting Italy.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Wise? Claim this profile above to unlock your own full list.
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Alternatives to Wise

Other FX / Payouts providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Currencycloud79 buyers →Airwallex72 buyers →Nium66 buyers →Wise Platform58 buyers →Stripe47 buyers →Convera32 buyers →Visa Direct24 buyers →Adyen21 buyers →
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Ranked #10 of 165 in FX / Payouts — Embedded Finance Index 2026
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