Wise
Plenty for users Stage 1
Wise was founded explicitly to expose and undercut the hidden FX spreads that banks charge on international transfers. The product shows you the mid-market rate, the fee, and what the recipient gets—in that order—before you confirm. Post-IPO and profitable, it has increased fees modestly but the transparency model remains structurally intact. No hidden spreads, no bait-and-switch rates. For a publicly traded fintech, retaining stage 1 behavior this long is genuinely unusual.
- Since
- 2011
- Function
- Fintech
- VC-backed
- No
- Public
- Since 2021 (WISE)
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