Giới thiệu
Wise (formerly TransferWise) là money transfer service, thành lập 2011 (UK). IPO 2021 (LSE: WISE), 16M customers, $118B transfer volume/năm, $1B revenue. USP: transparent FX fee 0.4-2% (10x rẻ hơn banks), mid-market rate (interbank rate). Multi-currency account: hold 50+ currencies, local bank details (UK, EU, US).
Case Study
Expat transfer £10K UK → Vietnam: Wise fee 0.5% (£50), receive 300M VND at mid-market rate. Banks charge 3-5% hidden markup (£300-500 loss). Wise Business: 500K SMBs, pay invoices 80+ countries, batch payments API. Kết quả: 16M users, £118B volume, profitable IPO.