ApideckTape
← Embedded Finance Index 2026/Vendor

Wise Platform

Provider
FX / PayoutsSpend / APUnified FXPSPBaaSCard Issuing

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 60 companies across 6 categories.

wiseplatform.com ↗Open Banking Tracker profile ↗
CategoriesFX / Payouts, Spend / AP, Unified FX, PSP, BaaS, Card Issuing
Rank#4 of 185 in FX / Payouts
Buyers60 companies
OwnerWise
RegulatoryDenied · National trust bank

Claim this profile. Work at Wise Platform? Verify your work email to unlock the full buyer list.

Ownership
Part of Wise.
Charter application · Denied
Wise National Trust · National trust bank · OCC · Austin, TX · filed 2025-06-16.
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 ↗
Who uses Wise Platform
60 companies disclose Wise Platform in their stack
ASOSAllica BankWiseWebexpensesVivid MoneyGotradeNubankAmazonGustoAgodaEmburseNeon Switzerland+48 more
Buyer mix · 60 of 60 classified
Fintech / Neobank · 10Bank / National · 9Fintech / SMB banking · 8Horizontal SaaS / Spend Management · 5Fintech / Cross-border payments · 3Fintech / Investment · 3Infrastructure / BaaS · 3Infrastructure / Core Banking · 3
EU · 17APAC · 13US · 13UK · 12LATAM · 2Canada · 2
What the disclosures say
ASOS
“The fx_payouts evidence category returned a Wise Platform page from sandbox.transferwise.tech.”
Allica Bank
“Wise newsroom (December 2023) announces Wise Platform partnership with Allica Bank for international payments to 160 countries directly in the Allica app.”
Wise
“Wise Platform Card Issuance API documented at docs.wise.com/guides/product/issue-cards enables partners to issue physical and virtual Wise Multi-Currency Account-linked cards.”
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).”
Gotrade
“Gotrade is a fractional share trading app; user funding is via international transfer (Wise Platform) rather than card acquiring.”
Nubank
“wise.com/gb/blog/wise-platform-teams-up-with-nubank and finovate.com article confirm Wise Platform powers Nubank Ultravioleta global multi-currency account and international debit card (USD/EUR holdings, spend in 200+ countries).”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Wise Platform? Claim this profile above to unlock your own full list.
Unlock the buyer map

See where Wise Platform’s disclosed buyers are headquartered. Represent Wise Platform? Claim this profile above instead — it unlocks your own map immediately.

No newsletter, no sharing your address.

Alternatives to Wise Platform

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.

Currencycloud82 buyers →Airwallex81 buyers →Nium69 buyers →Stripe49 buyers →Convera33 buyers →Visa Direct24 buyers →Adyen23 buyers →Payoneer20 buyers →
Share this rank

An embeddable badge for Wise Platform’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #4 of 185 in FX / Payouts — Embedded Finance Index 2026
Copy-paste snippet
<a href="https://www.embeddedfinanceindex.com/vendors/wise-platform?ref=badge">
  <img src="https://www.embeddedfinanceindex.com/api/badge/wise-platform.svg"
       alt="Ranked #4 of 185 in FX / Payouts — Embedded Finance Index 2026">
</a>
<img src="https://www.embeddedfinanceindex.com/api/badge/wise-platform/install" width="1" height="1" alt="" style="display:none">

Wise Platform — frequently asked

Which companies use Wise Platform?

60 companies disclose Wise Platform in their stack in the Embedded Finance Index 2026, including ASOS, Allica Bank, Wise, Webexpenses, Vivid Money, Gotrade, Nubank, Amazon, Gusto, Agoda and 2 others.

What does Wise Platform do?

Wise Platform is an embedded-finance provider in FX / Payouts, Spend / AP, Unified FX, PSP, BaaS and Card Issuing. It ranks #4 of 185 FX / Payouts providers by disclosed buyers.

Is Wise Platform a bank?

Wise Platform has applied for a national trust bank charter for Wise National Trust with the OCC. Status: denied (2026-07-21).

Who owns Wise Platform?

Wise Platform is part of Wise.

What are the alternatives to Wise Platform?

The most-disclosed FX / Payouts alternatives to Wise Platform are Currencycloud (82 buyers), Airwallex (81 buyers), Nium (69 buyers), Stripe (49 buyers), Convera (33 buyers) and Visa Direct (24 buyers).

Benchmark your own stack

Request an embedded finance strategy assessment

Get a read on where your own stack stands against Wise Platform and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.

  • Your category, mappedHow your stack compares to Wise Platform and the other buyers it serves.
  • Build vs. buyWhere a provider relationship would close a gap faster than building it.
  • A named analyst, not a form replyA short call to scope what's actually worth assessing for you.

No newsletter, no sharing your address. We use this to reach out about the assessment and nothing else.