# ![@yanhaijin Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1442858286.png) @yanhaijin yanhaijin

yanhaijin posts on X about wise, $wise, growth, business the most. They currently have [---] followers and [---] posts still getting attention that total [---] engagements in the last [--] hours.

### Engagements: [---] [#](/creator/twitter::1442858286/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1442858286/c:line/m:interactions.svg)

- [--] Week [-----] +37%
- [--] Month [-----] +320%
- [--] Months [------] +36%
- [--] Year [------] -8.30%

### Mentions: [--] [#](/creator/twitter::1442858286/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1442858286/c:line/m:posts_active.svg)

- [--] Months [--] -17%
- [--] Year [--] -41%

### Followers: [---] [#](/creator/twitter::1442858286/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1442858286/c:line/m:followers.svg)

- [--] Week [---] +2.40%
- [--] Month [---] +2.70%
- [--] Months [---] +4.60%
- [--] Year [---] +12%

### CreatorRank: [---------] [#](/creator/twitter::1442858286/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1442858286/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[cryptocurrencies](/list/cryptocurrencies)  [finance](/list/finance)  [stocks](/list/stocks)  [countries](/list/countries)  [financial services](/list/financial-services) 

**Social topic influence**
[wise](/topic/wise) #1252, [$wise](/topic/$wise) #5, [growth](/topic/growth), [business](/topic/business), [in the](/topic/in-the), [money](/topic/money), [traffic](/topic/traffic), [the next](/topic/the-next), [for the](/topic/for-the), [the most](/topic/the-most)

**Top accounts mentioned or mentioned by**
[@wise](/creator/undefined) [@finchatio](/creator/undefined) [@meilimaxwell](/creator/undefined) [@avidxchange](/creator/undefined) [@brianferoldi](/creator/undefined) [@smoothinvesting](/creator/undefined)

**Top assets mentioned**
[Wise (WISE)](/topic/$wise) [Braze Inc. (BRZE)](/topic/$brze) [Morgan Stanley (MS)](/topic/morgan-stanley) [AppLovin Corporation (APP)](/topic/applovin) [Goldman Sachs (GS)](/topic/goldman-sachs) [Progressive Corp (PGR)](/topic/$pgr)
### Top Social Posts
Top posts by engagements in the last [--] hours

"three key indicators of $wise business model are: 1/ new customers added; 2/ cross-border volume which equals all active custumers multiple vpc; 3/ take rate which is the sum of cross border fee and wise account fee especially wise card interchange fee"  
[X Link](https://x.com/yanhaijin/status/1648583861985755136)  2023-04-19T07:06Z [---] followers, [---] engagements


"Actually maybe it's the most importan slide for $wise. The most recent "other fee" take rate is 19bp. Wise's topline will be boostered by take rate's growth not just active users and vpc"  
[X Link](https://x.com/anyuser/status/1648916081741025282)  2023-04-20T05:06Z [---] followers, [----] engagements


"$wise strong start to this fiscal year. Vpc is just one variable and is just bottomed in my opinion. Other fee contribution is 18bp now which will grow continuously. Strong customers are coming to wise platform"  
[X Link](https://x.com/anyuser/status/1681272507641331712)  2023-07-18T11:59Z [---] followers, [---] engagements


"an increase of more than [--] times compared to the current one"  
[X Link](https://x.com/yanhaijin/status/1681826768691363840)  2023-07-20T00:42Z [---] followers, [---] engagements


"2. Wise may become an intermediary bank for traditional financial institutions providing high-quality fast timely and low-cost cross-border remittance services for traditional financial institutions. At present some small financial institutions around the world are customers"  
[X Link](https://x.com/yanhaijin/status/1681827540707471362)  2023-07-20T00:51Z [---] followers, [---] engagements


"$Wise's quarterly report briefing disclosed a lot of detailed figures. One of them is the balance of funds deposited by customers at the end of each quarter and this figure does not include the asset part. In the environment of high interest rates more and more customers should"  
[X Link](https://x.com/anyuser/status/1682067896745312258)  2023-07-20T16:40Z [---] followers, [---] engagements


"As shown below in the past [--] quarters $wise has lowered and raised the rates for cross-border money transfer. We want to understand the principles followed by company management in the process of moving toward mission-zero or zero-rating"  
[X Link](https://x.com/anyuser/status/1701062078734422213)  2023-09-11T02:36Z [---] followers, [----] engagements


"The second graph we want to illustrate: Total Company take rates. Note that the rate at the bottom is the income contribution generated by the Wise debit card divided by the company's cross-border money transfer amount. The middle line is the main business charging rate"  
[X Link](https://x.com/yanhaijin/status/1701063636482191577)  2023-09-11T02:42Z [---] followers, [--] engagements


"As mentioned above it has experienced price reductions and then price increases. If the main business take rate can maintain the trend as we analysis above the total take rate will be the revenue growth drive in the next few years"  
[X Link](https://x.com/yanhaijin/status/1701065594295165200)  2023-09-11T02:50Z [---] followers, [---] engagements


"Will $wise have the operating leverage this year We think it will. Wise increased its employee number by more than 50% last year which is the main reason of its SG&A growth. The company notes the bulk of this investment is now complete"  
[X Link](https://x.com/yanhaijin/status/1701067657477550235)  2023-09-11T02:58Z [---] followers, [---] engagements


"Although Wise said that 80% of the interest income will be returned to customers due to various regional regulatory restrictions a lot of interest income will still remain with the company"  
[X Link](https://x.com/yanhaijin/status/1701068545654915082)  2023-09-11T03:02Z [---] followers, [---] engagements


"If interest rates in major global economies keep higher for longer Wise could earn up to [--] billion in interest income over the next three years. Should wise buy back its own shares"  
[X Link](https://x.com/yanhaijin/status/1701068727780078029)  2023-09-11T03:02Z [---] followers, [---] engagements


"vpc is another interesting topic. vpc is a calculated value that depends on volume and the number of active customers.If we compare $wise with Remitly we can find that in recent quarter wises vpc is twice that of Remitly"  
[X Link](https://x.com/yanhaijin/status/1701131214558822545)  2023-09-11T07:11Z [---] followers, [---] engagements


"As Wise enters emerging economies such as Brazil and Indonesia the VPC of customers in these countries may be lower than that of developed countries"  
[X Link](https://x.com/yanhaijin/status/1701133020491612633)  2023-09-11T07:18Z [---] followers, [--] engagements


"But we should know this fact: the UK Wises most penetrated market (10% market share on the personal side) delivered 37% y/y revenue growth in FY23"  
[X Link](https://x.com/yanhaijin/status/1701133297408188637)  2023-09-11T07:19Z [---] followers, [--] engagements


"Also the gross margin is 74% this quarter which is up nearly 1100bp yoy"  
[X Link](https://x.com/yanhaijin/status/1712362267529060807)  2023-10-12T06:59Z [---] followers, [---] engagements


"$wise just disclosed the second quarter briefing a few days ago. Let's do a simple analysis on some key figures. First active customers. Wise added the most customers in this quarter both personal and business customers"  
[X Link](https://x.com/anyuser/status/1714447451892158763)  2023-10-18T01:05Z [---] followers, [----] engagements


"Next big thing: Gross margin. As i mentioned before wise does NOT subsidize the core business through short-term interest income. Now we know the 2024FY first half gross margin as below which is extraordinary. The much higher gm means much higher net margin and ebitda margin"  
[X Link](https://x.com/anyuser/status/1714473028971880888)  2023-10-18T02:46Z [---] followers, [---] engagements


"I think $wise should partner with Adyen to shorten the money transfer time of US area using this adyen plaid partnership and adyen US banking license"  
[X Link](https://x.com/anyuser/status/1722630705480605729)  2023-11-09T15:02Z [---] followers, [----] engagements


"$wise just released its F24 interim results. I will analyze this report in the next few days"  
[X Link](https://x.com/anyuser/status/1724333780864041176)  2023-11-14T07:49Z [---] followers, [---] engagements


"The apac region revenue grows much faster than others which corresponds to the ecosystem especially integration into Australia's domestic payment system"  
[X Link](https://x.com/yanhaijin/status/1724413372496805983)  2023-11-14T13:06Z [---] followers, [---] engagements


"How does $wise deal with its excess cash in the future There are more cash positions than needed in the balance sheet. As to our estimate wise will generate nearly 1.5B cash at least in the next 3yrs. We think wise will buy back more than at least 1B"  
[X Link](https://x.com/yanhaijin/status/1724423295842341356)  2023-11-14T13:45Z [---] followers, [---] engagements


"I talked about the revenue from "other" of $wise. But when this interim results released we should talk more about this. The card spending increased more than 90% including x-border and domestic. The revenue just increased 48% which is 42% short"  
[X Link](https://x.com/anyuser/status/1724569748149792833)  2023-11-14T23:27Z [---] followers, [---] engagements


"And also I actually don't understand which fees are removed by Wise. The interchange fee is the fee that the issuer of a debit card charges the merchant that accepts the card payment. This fee is paid by the merchant to the issuer not by the wise users"  
[X Link](https://x.com/yanhaijin/status/1724574459166957586)  2023-11-14T23:46Z [---] followers, [---] engagements


"Whatever based on the facts that wise card spending grows much faster than we thought we think this other revenue will grow faster. Also we think this revenue has much more gross margin than x-border money transfer. $wise has two legs for growth especially the card fees"  
[X Link](https://x.com/yanhaijin/status/1724574940761092578)  2023-11-14T23:48Z [---] followers, [---] engagements


"$wise N America region has long way to go. It's just getting started. And wise should work hard on this region. A couple of reasons. North America is the biggest market for x-border money transfer no matter remittance or x-border payments or investments"  
[X Link](https://x.com/yanhaijin/status/1724576027262001561)  2023-11-14T23:52Z [---] followers, [---] engagements


"We update our financial forecast for the second half of FY24 of $wise. We now anticipate: second half EBITDA [---] (vs first half 213); second half Net Income [---] (vs first half 141). Also we think there is room for upward revision to these numbers"  
[X Link](https://x.com/anyuser/status/1725020490434314279)  2023-11-16T05:18Z [---] followers, [---] engagements


"Apple shouldn't give every application a credit card. And Apple can partner with $wise to give everyone a debit card if they apply for a card. If the application is qualified for the credit card then give them the credit card. Breaking: Apple is ending its credit-card partnership with Goldman Sachs https://t.co/vdx7MQ8Gex https://t.co/vdx7MQ8Gex Breaking: Apple is ending its credit-card partnership with Goldman Sachs https://t.co/vdx7MQ8Gex https://t.co/vdx7MQ8Gex"  
[X Link](https://x.com/yanhaijin/status/1729776294760464716)  2023-11-29T08:16Z [---] followers, [---] engagements


"website traffic data. http://wise.com http://wise.com"  
[X Link](https://x.com/anyuser/status/1732931824761126944)  2023-12-08T01:15Z [---] followers, [---] engagements


"Wise added 0.3m active users during Q3FY23 and added more than 0.5m active users in the last two quarters. Based on its website traffic there's a greater possibility that it will add more active users this quarter. Numbers will release on Jan 152024"  
[X Link](https://x.com/yanhaijin/status/1733013808317403145)  2023-12-08T06:41Z [---] followers, [---] engagements


"We have some findings after checking website: 1Zing only accepts UK users for now; 2Zing has [--] more currencies but Wise has [--] more currencies and much more corridors; 3Zing charges 60bps for GBP/EUR and GBP/USD and 75bps for other currencies http://zing.me http://zing.me"  
[X Link](https://x.com/anyuser/status/1744271877231849511)  2024-01-08T08:16Z [---] followers, [---] engagements


"and Wise charges less on GBP/USD GBP/EUR. And also we can find that Zing's exchange rate is not as favorable as Wise; 4Zing doesn't give any specific arrival time usually and doesn't show the process time to the customers; 5The reviews about Zing app are bad now"  
[X Link](https://x.com/yanhaijin/status/1744272472898519389)  2024-01-08T08:18Z [---] followers, [---] engagements


"We don't know how Zing could get new customers on board"  
[X Link](https://x.com/yanhaijin/status/1744272673499500908)  2024-01-08T08:19Z [---] followers, [---] engagements


"We don't think Zing is a new threat to $wise"  
[X Link](https://x.com/yanhaijin/status/1744273361914712338)  2024-01-08T08:22Z [---] followers, [---] engagements


"Semrush just updated Dec data. So we can update the website traffic data. It's obvious that the traffic accelerated during the Q4CY23 (Q3FY24). I now expect the Trading Update on Jan 16th will beat much. $wise http://wise.com http://wise.com"  
[X Link](https://x.com/anyuser/status/1744383082587918799)  2024-01-08T15:38Z [---] followers, [----] engagements


"I think $wise delivered a very good quarter thought some numbers is shy of my high expectations. The revenue from other accelerates yoy and qoq. This other revenue contributes to the take rate growth. Now this other revenue is more quarter of the whole revenue"  
[X Link](https://x.com/anyuser/status/1747287604075356392)  2024-01-16T16:00Z [---] followers, [----] engagements


"During Q3FY24 $wise added personal customers 273k which is seasonal and only 7k business customers which is caused by the European boarding process hiccup"  
[X Link](https://x.com/anyuser/status/1747892927370854605)  2024-01-18T08:05Z [---] followers, [----] engagements


"The volume growth accelerated again on the softer base last fiscal year's quarter. And we will see this growth rate goes higher in the next few quarters"  
[X Link](https://x.com/yanhaijin/status/1747894712995086381)  2024-01-18T08:12Z [---] followers, [---] engagements


"And also the revenue growth accelerated last quarter"  
[X Link](https://x.com/yanhaijin/status/1747895558101258581)  2024-01-18T08:15Z [---] followers, [--] engagements


"we now anticipate wise F24 adjusted EBITDA/net income/FCF will be 535m/317m/509m. And still there's room upside for these numbers"  
[X Link](https://x.com/anyuser/status/1747971550937272351)  2024-01-18T13:17Z [---] followers, [---] engagements


"As to the interest earned on the cash balance we don't think it's a short term thing. As long as the main central banks keep the interest rate above 1% wise will have a meaningful interest income in the next 3-5 years"  
[X Link](https://x.com/yanhaijin/status/1747972165465756123)  2024-01-18T13:20Z [---] followers, [---] engagements


"when $wise released 2024FY yearly report now I can say it's a more-exciting business now. Just imagin wise didn't spend too much on the user acquisition and the new users will bring higher LTV to wise. Last FY wise spent 37m marketing expense which is down yoy 2%"  
[X Link](https://x.com/anyuser/status/1803311479107854470)  2024-06-19T06:18Z [---] followers, [----] engagements


"Today $wise released F25 Q1 some numbers. Let's summarize some interesting parts. First the business active customer boarding process is almost smooth again. During Q1 wise added 17k business customers almost the average before the hiccup happened last year"  
[X Link](https://x.com/anyuser/status/1813158253398007985)  2024-07-16T10:26Z [---] followers, [----] engagements


"It is interesting to compare the various data of $wise and Revolut. Let's begin from the active users. Wise disclosed its yearly active users but Revolut just gave its registered users. So different numbers. Maybe Revolut has more active users during 2023"  
[X Link](https://x.com/anyuser/status/1813902605611081892)  2024-07-18T11:44Z [---] followers, [----] engagements


"2Customer balances: Wise 13.3B [----] B if we add Assets ) vs Revolut 18.2B. Revolut has banking licenses so it's normal that Revolut has much more balances"  
[X Link](https://x.com/anyuser/status/1813903631542071371)  2024-07-18T11:48Z [---] followers, [---] engagements


"3Revenue: Revolut grows its revenue at much more rapid pace in [----]. Also Revolut has banking licenses so it can generate many revenue resources"  
[X Link](https://x.com/anyuser/status/1813904575881159076)  2024-07-18T11:52Z [---] followers, [---] engagements


"3employee and revenue per employee: $wise has fewer employees but has much more revenue per employee. Looks like Wise should hire more"  
[X Link](https://x.com/anyuser/status/1813906065064644631)  2024-07-18T11:58Z [---] followers, [---] engagements


"$wise share price is under pressure recently. I think the reasons are some misunderstandings not the fundamental. Actually the fundamental is more robust. When we check the historic traffic you can see the traffic is accelerating. http://wise.com http://wise.com"  
[X Link](https://x.com/anyuser/status/1833660811048529949)  2024-09-11T00:16Z [---] followers, [----] engagements


"And also as long as the central banks keep the interest above 1% wise can earn the first 1% on its huge cash piled on its BS. The core thing is its active customer not other things"  
[X Link](https://x.com/yanhaijin/status/1833665225087959139)  2024-09-11T00:33Z [---] followers, [---] engagements


"Now we think VPC has bottomed last quarter. We can expect VPC tailwind from here: volume growth will be equal or higher than the active customers growth from this quarter. $wise"  
[X Link](https://x.com/anyuser/status/1846421825322209391)  2024-10-16T05:24Z [---] followers, [----] engagements


"(Bloomberg) -- Morgan Stanley has teamed up with cross-border money transmitter Wise to settle foreign-exchange payments for the investment banks corporate clients a service traditionally led by money-center banks"  
[X Link](https://x.com/anyuser/status/1869028974845981121)  2024-12-17T14:36Z [---] followers, [----] engagements


"This is a game changer for $wise"  
[X Link](https://x.com/yanhaijin/status/1869029151828840470)  2024-12-17T14:37Z [---] followers, [---] engagements


"$wise will become the de facto interchange x-border money transfer banking service provider for all the financial institutions"  
[X Link](https://x.com/anyuser/status/1869229644928733462)  2024-12-18T03:54Z [---] followers, [----] engagements


"Now based on the facts that the bond yield curve in the US and UK we can draw the conclusion that $wise interest income will significantly exceed expectations"  
[X Link](https://x.com/anyuser/status/1876496472449106351)  2025-01-07T05:09Z [---] followers, [----] engagements


"Though not very accurate website traffic indicates that the number of active users will grow faster than expected especially in Brazil. The brief will release on Jan16"  
[X Link](https://x.com/anyuser/status/1876501903452033314)  2025-01-07T05:31Z [---] followers, [---] engagements


"Many people see the ugly part of $Wise quarterly briefing. The number of new active users this quarter was lower than expected. But if look at the cc volume growth below you will find wise is accelerating again from covid"  
[X Link](https://x.com/anyuser/status/1881190035648909751)  2025-01-20T04:00Z [---] followers, [----] engagements


"Wise even cut the debit card interchange fee for business customers. I think it's a bold and right move to board many more business customers"  
[X Link](https://x.com/yanhaijin/status/1881197214292418606)  2025-01-20T04:29Z [---] followers, [---] engagements


"And the customer cash balance is accelerating too. The x-border volume and the cash balance are two key metrics which can better measure customer engagement in the $wise whole eco system"  
[X Link](https://x.com/yanhaijin/status/1881216887755038820)  2025-01-20T05:47Z [---] followers, [---] engagements


"$wise website traffic growth continues to accelerate in the second week of February"  
[X Link](https://x.com/anyuser/status/1894299694815482164)  2025-02-25T08:13Z [---] followers, [----] engagements


"@finchat_io $PGR is one of my core holdings"  
[X Link](https://x.com/yanhaijin/status/1898581967106642145)  2025-03-09T03:49Z [---] followers, [---] engagements


"Vaca Muerta is the next Permian. The rapid development of Vaca Muerta will be the foundation for Argentina's economic take-off"  
[X Link](https://x.com/anyuser/status/1898585061001478624)  2025-03-09T04:02Z [---] followers, [----] engagements


"The reputation of US arms exports has been severely damaged; South Korean arms exports may benefit significantly"  
[X Link](https://x.com/anyuser/status/1898930980075008493)  2025-03-10T02:56Z [---] followers, [---] engagements


"another milestone for $wise platform"  
[X Link](https://x.com/anyuser/status/1905086766241226776)  2025-03-27T02:37Z [---] followers, [----] engagements


"JPMorgan initiates coverage on $Wise"  
[X Link](https://x.com/anyuser/status/1906613862536741375)  2025-03-31T07:45Z [---] followers, [----] engagements


"Vista's acquisition yesterday brought about a significant EBITDA increase. $VIST's valuation is getting much lower"  
[X Link](https://x.com/anyuser/status/1912841594191138877)  2025-04-17T12:12Z [---] followers, [----] engagements


"With Argentina's lifting of foreign exchange controls this week Argentina's shale oil and gas is about to explode. We can expect US oil capital to flow into the development of the Vac Muerta"  
[X Link](https://x.com/anyuser/status/1912842528497516919)  2025-04-17T12:16Z [---] followers, [----] engagements


"If the compound growth of oil and gas production is taken into account even with a higher discount rate the valuation of Argentine shale oil and gas companies should be higher than that of their US counterparts. Obviously the current stock price is seriously undervalued"  
[X Link](https://x.com/anyuser/status/1912844078511005748)  2025-04-17T12:22Z [---] followers, [----] engagements


"As Wise's current round of cost reductions draws to a close we expect that in the next three quarters the volume growth rate of more than 20% will be more translated into the company's revenue growth. We can expect topline growth will be 20%+"  
[X Link](https://x.com/anyuser/status/1946124916547567638)  2025-07-18T08:28Z [---] followers, [----] engagements


"$wise we use 95% of central bank interest rate on only half of the wise cash balance to get that wise will have a huge amount of interest income to fuel its growth and customer satisfaction. Great business with the huge tailwind. Congrats"  
[X Link](https://x.com/anyuser/status/1575725939308212224)  2022-09-30T05:55Z [---] followers, [--] engagements


"$wise just released some numbers of Q2 2023FY. Great business"  
[X Link](https://x.com/yanhaijin/status/1582335550987464705)  2022-10-18T11:39Z [---] followers, [--] engagements


"$WISE moves from niche market to mainstream. MS endorsement is a game-changer now. Now we can say there's no other better way especially no-stablecoin way for x-border money transfer. I think the stock will re-rate sharply from here"  
[X Link](https://x.com/anyuser/status/1869193099907645670)  2024-12-18T01:28Z [---] followers, [----] engagements


"Last time when we analyze the interest income of $wise we found that the incoming new customers cash balances will keep the interest income stable and mild growth even when the central banks cut the interest rate slowly"  
[X Link](https://x.com/anyuser/status/1876495787070505077)  2025-01-07T05:07Z [---] followers, [----] engagements


"GS just released a report on remittances and this report mentions $wise though they don't cover it. And you should know this: remittances is not the same concept as x-border money transfer and the latter is a larger industry that includes the former"  
[X Link](https://x.com/anyuser/status/1877595797849862161)  2025-01-10T05:58Z [---] followers, [----] engagements


"And the GS analysts admit that $wise is the dominant player now"  
[X Link](https://x.com/anyuser/status/1877596188364648934)  2025-01-10T05:59Z [---] followers, [---] engagements


"Waiting for the briefing on January 16th $wise"  
[X Link](https://x.com/anyuser/status/1878703964910461207)  2025-01-13T07:21Z [---] followers, [----] engagements


"$Wise app downloads reached a new all-time high in Aug. This is one of the key indicators which can monitor the wise platform activities"  
[X Link](https://x.com/yanhaijin/status/1966023578039849371)  2025-09-11T06:18Z [---] followers, [----] engagements


"Since its listing Wise's public information has generally given me the impression of a conservative approach to business operations. For example they've invested very little in marketing and their staff expansion has been relatively slow"  
[X Link](https://x.com/yanhaijin/status/1986797245803696428)  2025-11-07T14:05Z [---] followers, [----] engagements


"However with this quarter's announcement I began to sense a slight shift towards a more proactive management style. This was evident in $Wise starting to spend more on marketing the addition of [----] staff and more importantly in the CEO's tone during the conference call"  
[X Link](https://x.com/yanhaijin/status/1986797357313520019)  2025-11-07T14:06Z [---] followers, [---] engagements


"After lowering tariffs [--] months ago the current quarter's base will only drag down topline growth by about [--] percentage points. Given the better-than-expected growth in active users topline growth this quarter is highly likely to exceed 20%"  
[X Link](https://x.com/yanhaijin/status/1986797463018348736)  2025-11-07T14:06Z [---] followers, [---] engagements


"and next quarter will not be affected by tariff reductions. Take rate will become a tailwind potentially pushing topline growth above 26%. Of particular note is that Wise's management's most valued business clients after years of HICCUPs have finally begun to grow rapidly"  
[X Link](https://x.com/yanhaijin/status/1986797553665675768)  2025-11-07T14:07Z [---] followers, [---] engagements


"with a remarkable [--] billion in half-year card spending continuing its rapid growth a truly impressive business.Meanwhile customer cash deposits in Wise accounts totaling [----] billion are accelerating"  
[X Link](https://x.com/yanhaijin/status/1986797930288931019)  2025-11-07T14:08Z [---] followers, [---] engagements


"In my view active user numbers cross-border remittances and customer deposits are the three core elements for measuring Wise's long-term value as Wise can generate new business models from these three continuously growing factors"  
[X Link](https://x.com/yanhaijin/status/1986798021074628908)  2025-11-07T14:08Z [---] followers, [---] engagements


"How will Wise handle its excess cash on its balance sheet Currently Wise has [----] billion in cash with net cash of approximately [----] billion. In the past six months Wise has spent [---] million buying its own shares for stock-based compensation and"  
[X Link](https://x.com/yanhaijin/status/1988487276494831779)  2025-11-12T06:01Z [---] followers, [---] engagements


"$wise strong F26 Q3 https://kmoney.biz/collections/ebooks/products/2026-predictions-pdf To break this price down youre only paying less than $3/mo for - a full description of each major transit - what to expect both collectively - + personally - PLUS [--] verrry realistic practical you can pretty much expect *this* to happen predictions per transit 🤯 https://kmoney.biz/collections/ebooks/products/2026-predictions-pdf To break this price down youre only paying less than $3/mo for - a full description of each major transit - what to expect both collectively - + personally - PLUS [--] verrry"  
[X Link](https://x.com/yanhaijin/status/2003257960412426359)  2025-12-23T00:14Z [---] followers, [----] engagements


"One of Wise's core variables is the number of active users. We've seen an acceleration in retail customer growth; and we've seen an even greater acceleration in business customer growth with the onboarding hiccups from several quarters ago finally behind us"  
[X Link](https://x.com/yanhaijin/status/2013878958497112281)  2026-01-21T07:38Z [---] followers, [---] engagements


"As we said several months ago this year will mark the beginning of a renewed acceleration in $Wise's growth: $Wise's flywheel effect is starting to pick up speed"  
[X Link](https://x.com/yanhaijin/status/2013878398767202327)  2026-01-21T07:36Z [---] followers, [---] engagements


"One of Wise's core variables is the amount of cross-border remittances which is also experiencing accelerated growth. The two-year growth rate in the latest quarter has reached 53%"  
[X Link](https://x.com/yanhaijin/status/2013880207133024726)  2026-01-21T07:43Z [---] followers, [---] engagements


"The third core variable for $Wise is the balance of funds that customers hold with Wise which includes the funds held under the asset function. At the end of this fiscal quarter this figure reached [----] b yoy increase of 34%"  
[X Link](https://x.com/yanhaijin/status/2013881121285775365)  2026-01-21T07:47Z [---] followers, [---] engagements


"According to our calculations Wise's free cash flow (FCF) will reach $530 million and $680 million in FY2026 and FY2027 respectively. By March [--] [----] Wise's net cash will be close to $2.3 billion. Based on recent communications with the CFO and GS analysts"  
[X Link](https://x.com/yanhaijin/status/2014126062444437962)  2026-01-22T00:00Z [---] followers, [---] engagements


"we believe $Wise will significantly repurchase its own shares in the next [--] months"  
[X Link](https://x.com/yanhaijin/status/2014126118253805629)  2026-01-22T00:01Z [---] followers, [---] engagements


"$Wise app monthly downloads are showing an accelerating trend. We still expect [----] to be the starting year for a renewed acceleration in Wise's core data"  
[X Link](https://x.com/yanhaijin/status/2019302708679938536)  2026-02-05T06:50Z [---] followers, [----] engagements


"$wise Downloads & MAU of Jan26"  
[X Link](https://x.com/yanhaijin/status/2022233795932655669)  2026-02-13T08:58Z [---] followers, [----] engagements


"This is a big news"  
[X Link](https://x.com/anyuser/status/1955419464293552569)  2025-08-13T00:01Z [---] followers, [----] engagements


"As Wise's current round of cost reductions draws to a close we expect that in the next three quarters the volume growth rate of more than 20% will be more translated into the company's revenue growth. We can expect topline growth will be 20%+"  
[X Link](https://x.com/anyuser/status/1946124916547567638)  2025-07-18T08:28Z [---] followers, [----] engagements


"$WISE moves from niche market to mainstream. MS endorsement is a game-changer now. Now we can say there's no other better way especially no-stablecoin way for x-border money transfer. I think the stock will re-rate sharply from here"  
[X Link](https://x.com/anyuser/status/1869193099907645670)  2024-12-18T01:28Z [---] followers, [----] engagements


"We believe Adyen has moved from helping North American merchants grow outside their domestic market to now winning US domestic volumes a function of the rising complexity within the North American payments landscape (omni-channel etc)"  
[X Link](https://x.com/anyuser/status/1491325971227881475)  2022-02-09T08:19Z [---] followers, [--] engagements


"If you don't know what to buy and hold now it's time to buy Adyen. From ten years perspective Adyen is one of the perfect compounders"  
[X Link](https://x.com/anyuser/status/1483232676215595016)  2022-01-18T00:20Z [---] followers, [--] engagements


"Many people see the ugly part of $Wise quarterly briefing. The number of new active users this quarter was lower than expected. But if look at the cc volume growth below you will find wise is accelerating again from covid"  
[X Link](https://x.com/anyuser/status/1881190035648909751)  2025-01-20T04:00Z [---] followers, [----] engagements


"This is much earlier than what I expected"  
[X Link](https://x.com/anyuser/status/1853662639773430219)  2024-11-05T04:56Z [---] followers, [----] engagements


"GS just released a report on remittances and this report mentions $wise though they don't cover it. And you should know this: remittances is not the same concept as x-border money transfer and the latter is a larger industry that includes the former"  
[X Link](https://x.com/anyuser/status/1877595797849862161)  2025-01-10T05:58Z [---] followers, [----] engagements


"very impressive result. Hot off the press 🔥 From growing our team to [----] Wisers helping us move 6bn around the world to opening an office in Austin here're a few highlights from the past six months as well as some big news. On top of that our financial results are out:https://t.co/jZeyDsOAgb https://t.co/o16zQGiX6p Hot off the press 🔥 From growing our team to [----] Wisers helping us move 6bn around the world to opening an office in Austin here're a few highlights from the past six months as well as some big news. On top of that our financial results are out:https://t.co/jZeyDsOAgb"  
[X Link](https://x.com/anyuser/status/1465647267960942596)  2021-11-30T11:41Z [---] followers, [--] engagements


"Hot off the press 🔥 From growing our team to [----] Wisers helping us move 6bn around the world to opening an office in Austin here're a few highlights from the past six months as well as some big news. On top of that our financial results are https://wi.se/h1results https://wi.se/h1results"  
[X Link](https://x.com/anyuser/status/1465644698748469250)  2021-11-30T11:31Z 172.1K followers, [--] engagements


"JPMorgan initiates coverage on $Wise"  
[X Link](https://x.com/anyuser/status/1906613862536741375)  2025-03-31T07:45Z [---] followers, [----] engagements


"Wise web traffic is accelerating now"  
[X Link](https://x.com/anyuser/status/1889116806193021196)  2025-02-11T00:58Z [---] followers, [----] engagements


"website traffic in January is expected to increase by 40-50% month-on-month with the main growth coming from countries such as Brazil Malaysia and Trkiye. This is insane. http://wise.com http://wise.com"  
[X Link](https://x.com/anyuser/status/1887101569755152711)  2025-02-05T11:30Z [---] followers, [----] engagements


"Finally some analyst notices that Adyen is expanding to SMB payment market through its platform partnering with software companies. I think SMB market payment has much higher take rate than what Adyen now has and much operating leverage"  
[X Link](https://x.com/anyuser/status/1484009178209263618)  2022-01-20T03:45Z [---] followers, [--] engagements


"another milestone for $wise platform"  
[X Link](https://x.com/anyuser/status/1905086766241226776)  2025-03-27T02:37Z [---] followers, [----] engagements


"In January and February the number of visits to increased significantly with YoY growth approaching 100% which is the first acceleration in the past few years. http://wise.com http://wise.com"  
[X Link](https://x.com/anyuser/status/1898180058390708660)  2025-03-08T01:12Z [---] followers, [----] engagements


"AppLovin will be the third largest mobile ad platform"  
[X Link](https://x.com/anyuser/status/1460230266924929033)  2021-11-15T12:56Z [---] followers, [--] engagements


"when $wise released 2024FY yearly report now I can say it's a more-exciting business now. Just imagin wise didn't spend too much on the user acquisition and the new users will bring higher LTV to wise. Last FY wise spent 37m marketing expense which is down yoy 2%"  
[X Link](https://x.com/anyuser/status/1803311479107854470)  2024-06-19T06:18Z [---] followers, [----] engagements


"We update our financial forecast for the second half of FY24 of $wise. We now anticipate: second half EBITDA [---] (vs first half 213); second half Net Income [---] (vs first half 141). Also we think there is room for upward revision to these numbers"  
[X Link](https://x.com/anyuser/status/1725020490434314279)  2023-11-16T05:18Z [---] followers, [---] engagements


"Waiting for the briefing on January 16th $wise"  
[X Link](https://x.com/anyuser/status/1878703964910461207)  2025-01-13T07:21Z [---] followers, [----] engagements


"$BRZE is a category disruptor"  
[X Link](https://x.com/anyuser/status/1470369405729083394)  2021-12-13T12:25Z [---] followers, [--] engagements


"During q3 cc CEO Adam Foroughi thought AppLovin software business will grow to 10b in [--] years. I love this ambition"  
[X Link](https://x.com/anyuser/status/1460232514786586629)  2021-11-15T13:05Z [---] followers, [--] engagements


"Vista's acquisition yesterday brought about a significant EBITDA increase. $VIST's valuation is getting much lower"  
[X Link](https://x.com/anyuser/status/1912841594191138877)  2025-04-17T12:12Z [---] followers, [----] engagements


"$wise website traffic growth continues to accelerate in the second week of February"  
[X Link](https://x.com/anyuser/status/1894299694815482164)  2025-02-25T08:13Z [---] followers, [----] engagements


"GS just raised OLPX TP from [--] to 46"  
[X Link](https://x.com/anyuser/status/1461204758341947392)  2021-11-18T05:28Z [---] followers, [--] engagements


"Now we think VPC has bottomed last quarter. We can expect VPC tailwind from here: volume growth will be equal or higher than the active customers growth from this quarter. $wise"  
[X Link](https://x.com/anyuser/status/1846421825322209391)  2024-10-16T05:24Z [---] followers, [----] engagements


"$wise is a fantanstic business which is disrupting the cross border money transfer industry"  
[X Link](https://x.com/anyuser/status/1427833827687223296)  2021-08-18T03:24Z [---] followers, [--] engagements


"$wise just disclosed the second quarter briefing a few days ago. Let's do a simple analysis on some key figures. First active customers. Wise added the most customers in this quarter both personal and business customers"  
[X Link](https://x.com/anyuser/status/1714447451892158763)  2023-10-18T01:05Z [---] followers, [----] engagements


"Feroz Dewan just bought nearly 20% of outstanding shares of $brze in first two trading days"  
[X Link](https://x.com/anyuser/status/1465533000192430084)  2021-11-30T04:07Z [---] followers, [--] engagements


"$BRZE accelerating as expected"  
[X Link](https://x.com/anyuser/status/1473081282544353280)  2021-12-21T00:02Z [---] followers, [--] engagements


"Last time when we analyze the interest income of $wise we found that the incoming new customers cash balances will keep the interest income stable and mild growth even when the central banks cut the interest rate slowly"  
[X Link](https://x.com/anyuser/status/1876495787070505077)  2025-01-07T05:07Z [---] followers, [----] engagements


"$wise strong start to this fiscal year. Vpc is just one variable and is just bottomed in my opinion. Other fee contribution is 18bp now which will grow continuously. Strong customers are coming to wise platform"  
[X Link](https://x.com/anyuser/status/1681272507641331712)  2023-07-18T11:59Z [---] followers, [---] engagements


"As shown below in the past [--] quarters $wise has lowered and raised the rates for cross-border money transfer. We want to understand the principles followed by company management in the process of moving toward mission-zero or zero-rating"  
[X Link](https://x.com/anyuser/status/1701062078734422213)  2023-09-11T02:36Z [---] followers, [----] engagements


"Bill is very bullish on growth $brze"  
[X Link](https://x.com/anyuser/status/1481224684569989124)  2022-01-12T11:20Z [---] followers, [--] engagements


"It's the first time that Kristo didn't mention Mission-zero in the open letter. But he did mention that in ten years wise will charge only 10bp for XB transfer and the cost will be only 5bp. Still I bellieve Wise will be the XB interchange-"bank" for all the banks"  
[X Link](https://x.com/anyuser/status/1856618194099970469)  2024-11-13T08:40Z [---] followers, [----] engagements


"Wise app downloads reached a new all-time high in July surpassing the March [----] high"  
[X Link](https://x.com/anyuser/status/1955413465084071967)  2025-08-12T23:37Z [---] followers, [----] engagements


"$BRZE new adds accelerate again during Q4 2021"  
[X Link](https://x.com/anyuser/status/1476820334028333059)  2021-12-31T07:39Z [---] followers, [--] engagements


"Today $wise released F25 Q1 some numbers. Let's summarize some interesting parts. First the business active customer boarding process is almost smooth again. During Q1 wise added 17k business customers almost the average before the hiccup happened last year"  
[X Link](https://x.com/anyuser/status/1813158253398007985)  2024-07-16T10:26Z [---] followers, [----] engagements


"$Adyen is the most amazing business i've ever seen. I think the EBITDA margin will clime to 70-75% in the next five years and even further to 80% in ten years"  
[X Link](https://x.com/anyuser/status/1428234193570435074)  2021-08-19T05:55Z [---] followers, [--] engagements


"$wise share price is under pressure recently. I think the reasons are some misunderstandings not the fundamental. Actually the fundamental is more robust. When we check the historic traffic you can see the traffic is accelerating. http://wise.com http://wise.com"  
[X Link](https://x.com/anyuser/status/1833660811048529949)  2024-09-11T00:16Z [---] followers, [----] engagements


"Cause Braze needs direct sales to get large customers onboard covid had dragged the growth rate last year. We should see the growth accelerating in the coming quarters"  
[X Link](https://x.com/anyuser/status/1470601891922919434)  2021-12-14T03:49Z [---] followers, [--] engagements


"It is interesting to compare the various data of $wise and Revolut. Let's begin from the active users. Wise disclosed its yearly active users but Revolut just gave its registered users. So different numbers. Maybe Revolut has more active users during 2023"  
[X Link](https://x.com/anyuser/status/1813902605611081892)  2024-07-18T11:44Z [---] followers, [----] engagements


"$wise we use 95% of central bank interest rate on only half of the wise cash balance to get that wise will have a huge amount of interest income to fuel its growth and customer satisfaction. Great business with the huge tailwind. Congrats"  
[X Link](https://x.com/anyuser/status/1575725939308212224)  2022-09-30T05:55Z [---] followers, [--] engagements


"like Adyen Wise business has the huge room of operating leverage. Its ebitda margin will go up to nearly 40% from today's 26% in a few years. Also Wise has several ways to grow its revenue especially its fintech capability like wise account"  
[X Link](https://x.com/anyuser/status/1431247708317122561)  2021-08-27T13:30Z [---] followers, [--] engagements


"It's the strategic way to be the default cross-border money transfer infrastructure. Its interesting that even the most sophisticated investors have real difficulty understanding why @Wise should be so intent on reducing its fees to customers - without having to respond to competitive pressure. Its interesting that even the most sophisticated investors have real difficulty understanding why @Wise should be so intent on reducing its fees to customers - without having to respond to competitive pressure"  
[X Link](https://x.com/anyuser/status/1467473882424614915)  2021-12-05T12:40Z [---] followers, [--] engagements


"Its interesting that even the most sophisticated investors have real difficulty understanding why @Wise should be so intent on reducing its fees to customers - without having to respond to competitive pressure"  
[X Link](https://x.com/anyuser/status/1467088263349473280)  2021-12-04T11:07Z 47.2K followers, [--] engagements


"$wise will become the de facto interchange x-border money transfer banking service provider for all the financial institutions"  
[X Link](https://x.com/anyuser/status/1869229644928733462)  2024-12-18T03:54Z [---] followers, [----] engagements


"I think $wise should partner with Adyen to shorten the money transfer time of US area using this adyen plaid partnership and adyen US banking license"  
[X Link](https://x.com/anyuser/status/1722630705480605729)  2023-11-09T15:02Z [---] followers, [----] engagements


"ARR definition by Toast is some kind of confusing. They include the payment (or sharing) revenue into their ARR. I don't think it's ok"  
[X Link](https://x.com/anyuser/status/1439206949476704262)  2021-09-18T12:37Z [---] followers, [--] engagements


"Other operating expenses totaled [----] million up 3% from H1 [----]. Of these sales and marketing expenses were [----] million down 20% year-on-year.---------what a fantastic business"  
[X Link](https://x.com/anyuser/status/1428240457343987715)  2021-08-19T06:20Z [---] followers, [--] engagements


"Braze is a dominant player"  
[X Link](https://x.com/anyuser/status/1470599603493818374)  2021-12-14T03:40Z [---] followers, [--] engagements


"Obviously $BRZE revenue growth is accelerating"  
[X Link](https://x.com/anyuser/status/1465132930091544576)  2021-11-29T01:38Z [---] followers, [--] engagements


"$Wise's quarterly report briefing disclosed a lot of detailed figures. One of them is the balance of funds deposited by customers at the end of each quarter and this figure does not include the asset part. In the environment of high interest rates more and more customers should"  
[X Link](https://x.com/anyuser/status/1682067896745312258)  2023-07-20T16:40Z [---] followers, [---] engagements


"Though not very accurate website traffic indicates that the number of active users will grow faster than expected especially in Brazil. The brief will release on Jan16"  
[X Link](https://x.com/anyuser/status/1876501903452033314)  2025-01-07T05:31Z [---] followers, [---] engagements


"Regarding the vision of Wise my opinion is as follows: [--]. Wise is already the world's largest online cross-border remittance platform and it only took [--] years. I think wise will be the world's leading online remittance platform with a possible market share of more than 20%"  
[X Link](https://x.com/anyuser/status/1681826651024359431)  2023-07-20T00:41Z [---] followers, [---] engagements


"is Wise stock still expensive Definitely NO in my opinion. here's my model on wise now. Wise valuation looks like a no-growth stock. But wise is only scratching the surface and has a long way to go"  
[X Link](https://x.com/anyuser/status/1803321368735522873)  2024-06-19T06:58Z [---] followers, [---] engagements


"If we assume SGA grows like 30% yoy the EBIT and net profit will grow likely 300%. We will share some thoughts next month when wise releases its half year numbers"  
[X Link](https://x.com/anyuser/status/1712372951147065610)  2023-10-12T07:41Z [---] followers, [---] engagements


"The reputation of US arms exports has been severely damaged; South Korean arms exports may benefit significantly"  
[X Link](https://x.com/anyuser/status/1898930980075008493)  2025-03-10T02:56Z [---] followers, [---] engagements


"$wise just released some numbers of Q2 2023FY. Great business"  
[X Link](https://x.com/yanhaijin/status/1582335550987464705)  2022-10-18T11:39Z [---] followers, [--] engagements


"Actually maybe it's the most importan slide for $wise. The most recent "other fee" take rate is 19bp. Wise's topline will be boostered by take rate's growth not just active users and vpc"  
[X Link](https://x.com/anyuser/status/1648916081741025282)  2023-04-20T05:06Z [---] followers, [----] engagements


"Adyen has acquired some new customers in the American market. These are photos my daughter took at the desert hills outlets. The left is AEO store and the right is Theory store. When adyen hired the sales and technical teams in the US they will have many customers"  
[X Link](https://x.com/anyuser/status/1727500546062590090)  2023-11-23T01:33Z [---] followers, [---] engagements


"The latest forecast about vaca muerta is extremely optimistic"  
[X Link](https://x.com/anyuser/status/1899815498214146265)  2025-03-12T13:31Z [---] followers, [----] engagements


"With Argentina's lifting of foreign exchange controls this week Argentina's shale oil and gas is about to explode. We can expect US oil capital to flow into the development of the Vac Muerta"  
[X Link](https://x.com/anyuser/status/1912842528497516919)  2025-04-17T12:16Z [---] followers, [----] engagements


"Looks like wise website traffic is NOT a good proxy of new active customers added. Q3FY24 new customers added is shy of what we expect. The individual customers add more during the period from April to Sept. The business customers boarding hiccup is the reasontoo"  
[X Link](https://x.com/anyuser/status/1747247828827844848)  2024-01-16T13:21Z [---] followers, [---] engagements


"If the compound growth of oil and gas production is taken into account even with a higher discount rate the valuation of Argentine shale oil and gas companies should be higher than that of their US counterparts. Obviously the current stock price is seriously undervalued"  
[X Link](https://x.com/anyuser/status/1912844078511005748)  2025-04-17T12:22Z [---] followers, [----] engagements


"The cost of traditional remittances is always more than 500bp and the logic of this pricing is the higher cost and dealing with the cash. Wise doesn't touch any cash during the process and has the lowerest cost and will disrupt the whole industry"  
[X Link](https://x.com/anyuser/status/1877599105935094073)  2025-01-10T06:11Z [---] followers, [---] engagements


"$wise vpc is not the key indicator of $wise business especially the quarterly volatility. From the yearly perspective vpc of individual customer just keep the same but business customer vpc goes up meaningfully (13%+)"  
[X Link](https://x.com/anyuser/status/1648583379384688643)  2023-04-19T07:04Z [---] followers, [---] engagements


"Vaca Muerta is the next Permian. The rapid development of Vaca Muerta will be the foundation for Argentina's economic take-off"  
[X Link](https://x.com/anyuser/status/1898585061001478624)  2025-03-09T04:02Z [---] followers, [----] engagements


"and Adyen being well positioned to solve for this complexity - as evidenced by strong revenue growth"  
[X Link](https://x.com/anyuser/status/1491326003108782082)  2022-02-09T08:20Z [---] followers, [--] engagements


"@meilimaxwell Not really. If the second half year revenue grows at the same pace of the first half of this year as ulta just partnered with Olaplex the revenue will pass 700m. If the compound growth rate be 50% in the next three years this stock will be so cheap at this moment"  
[X Link](https://x.com/anyuser/status/1445711455127441416)  2021-10-06T11:24Z [---] followers, [--] engagements


"I talked about the revenue from "other" of $wise. But when this interim results released we should talk more about this. The card spending increased more than 90% including x-border and domestic. The revenue just increased 48% which is 42% short"  
[X Link](https://x.com/anyuser/status/1724569748149792833)  2023-11-14T23:27Z [---] followers, [---] engagements


"Now based on the facts that the bond yield curve in the US and UK we can draw the conclusion that $wise interest income will significantly exceed expectations"  
[X Link](https://x.com/anyuser/status/1876496472449106351)  2025-01-07T05:09Z [---] followers, [----] engagements


"During Q3FY24 $wise added personal customers 273k which is seasonal and only 7k business customers which is caused by the European boarding process hiccup"  
[X Link](https://x.com/anyuser/status/1747892927370854605)  2024-01-18T08:05Z [---] followers, [----] engagements


"I believe the second most promising future is when Wise will be one of the dominant domestic bank (debit) card service providers in many countries like an international banking group. I have to remind: Wise has developed its own cloud debit card processing software"  
[X Link](https://x.com/anyuser/status/1856620517496885289)  2024-11-13T08:50Z [---] followers, [---] engagements


"2Customer balances: Wise 13.3B [----] B if we add Assets ) vs Revolut 18.2B. Revolut has banking licenses so it's normal that Revolut has much more balances"  
[X Link](https://x.com/anyuser/status/1813903631542071371)  2024-07-18T11:48Z [---] followers, [---] engagements


"(Bloomberg) -- Morgan Stanley has teamed up with cross-border money transmitter Wise to settle foreign-exchange payments for the investment banks corporate clients a service traditionally led by money-center banks"  
[X Link](https://x.com/anyuser/status/1869028974845981121)  2024-12-17T14:36Z [---] followers, [----] engagements


"3employee and revenue per employee: $wise has fewer employees but has much more revenue per employee. Looks like Wise should hire more"  
[X Link](https://x.com/anyuser/status/1813906065064644631)  2024-07-18T11:58Z [---] followers, [---] engagements


"I think $wise delivered a very good quarter thought some numbers is shy of my high expectations. The revenue from other accelerates yoy and qoq. This other revenue contributes to the take rate growth. Now this other revenue is more quarter of the whole revenue"  
[X Link](https://x.com/anyuser/status/1747287604075356392)  2024-01-16T16:00Z [---] followers, [----] engagements


"Then the wise-card interchange fee related revenue still increased at the very rapid speed. it's amazing"  
[X Link](https://x.com/anyuser/status/1813159645868945658)  2024-07-16T10:32Z [---] followers, [---] engagements


"I didn't see analyst talk much about that Adyen and Klarna expand their partnership. In my opinion it's obviously a big deal for adyen. Klarna's GMV is nearly 100B. Also it's the first time Adyen uses its bank license as a weapon to defend its position"  
[X Link](https://x.com/anyuser/status/1733015484960997689)  2023-12-08T06:47Z [---] followers, [---] engagements


"And also like Kristo mentioned last Sept. the price cut two quarters ago will take effect in the next few quarters. Even so the cc volume growth is accelerating. That's the amazing part"  
[X Link](https://x.com/anyuser/status/1881194186009202822)  2025-01-20T04:16Z [---] followers, [---] engagements


"@AvidXchange you guys should partner with @Wise to provide the cross-border transfer for the platform"  
[X Link](https://x.com/anyuser/status/1465590278136369154)  2021-11-30T07:55Z [---] followers, [--] engagements


"3Revenue: Revolut grows its revenue at much more rapid pace in [----]. Also Revolut has banking licenses so it can generate many revenue resources"  
[X Link](https://x.com/anyuser/status/1813904575881159076)  2024-07-18T11:52Z [---] followers, [---] engagements


"website traffic data. http://wise.com http://wise.com"  
[X Link](https://x.com/anyuser/status/1732931824761126944)  2023-12-08T01:15Z [---] followers, [---] engagements


"So why will wise lower its x-border fees now Cause its absolute cost went down last year. Wise has much room to lower down its x-border fees to lure many more new customers coming aboard. This is the right move for the long term to beat any possible competition"  
[X Link](https://x.com/anyuser/status/1803316226221023295)  2024-06-19T06:37Z [---] followers, [---] engagements


"The concern is the business customers. Can they come after Wise lowered its x-border fee nearly 20% I think maybe we can see the trend from now. Also Wise needs to work hard to build the SME ecosystems for the business customers"  
[X Link](https://x.com/anyuser/status/1846427290768757234)  2024-10-16T05:45Z [---] followers, [---] engagements


"$wise just released its F24 interim results. I will analyze this report in the next few days"  
[X Link](https://x.com/anyuser/status/1724333780864041176)  2023-11-14T07:49Z [---] followers, [---] engagements


"Last one: market cap: Wise market cap is only 8B ( nearly 7B if we deduct the net cash) but Revolut has nearly 40B. Weird"  
[X Link](https://x.com/anyuser/status/1813909422986727808)  2024-07-18T12:11Z [---] followers, [---] engagements


"And another interesting thing is wise own cash balance. According to our model wise will have nearly 2B pounds net cash position on March quarter CY2026. How does wise deal with its huge cash position We think wise probably will return the cash to its shareholders"  
[X Link](https://x.com/anyuser/status/1747974305387081815)  2024-01-18T13:28Z [---] followers, [---] engagements


"BNPL is NOT the same payment as the traditional four-party payment system. BNPL involves the bank which provides the fund to the merchant. We should wait for Adyen management to talk more about its role in this new partnership"  
[X Link](https://x.com/anyuser/status/1733016231685546080)  2023-12-08T06:50Z [---] followers, [---] engagements


"Goldman just renewed wise model. Just notice that if the EBITDA margin don't go up more the revenue growth should be much higher cause if much interest revenue goes to the marketing part more customers will come. New macro is a huge tailwind for Wise"  
[X Link](https://x.com/anyuser/status/1578194714955653120)  2022-10-07T01:25Z [---] followers, [--] engagements


"very nice innovation. congrats The Wise Account features an incredible Multi Currency Debit card with super low costs that lets you spend like a local wherever you are. 💳 🌎 🚀 How did we make this happen Valentin Kravtsov shares some of the deets https://t.co/Yf4iQ5hYS2 The Wise Account features an incredible Multi Currency Debit card with super low costs that lets you spend like a local wherever you are. 💳 🌎 🚀 How did we make this happen Valentin Kravtsov shares some of the deets https://t.co/Yf4iQ5hYS2"  
[X Link](https://x.com/anyuser/status/1570212192099893248)  2022-09-15T00:45Z [---] followers, [--] engagements


"The Wise Account features an incredible Multi Currency Debit card with super low costs that lets you spend like a local wherever you are. 💳 🌎 🚀 How did we make this happen Valentin Kravtsov shares some of the deets https://medium.com/wise-engineering/how-wise-built-the-worlds-first-cloud-based-card-processing-fd427b7fb92b https://medium.com/wise-engineering/how-wise-built-the-worlds-first-cloud-based-card-processing-fd427b7fb92b"  
[X Link](https://x.com/anyuser/status/1569999583857545216)  2022-09-14T10:40Z [----] followers, [--] engagements


"Next big thing: Gross margin. As i mentioned before wise does NOT subsidize the core business through short-term interest income. Now we know the 2024FY first half gross margin as below which is extraordinary. The much higher gm means much higher net margin and ebitda margin"  
[X Link](https://x.com/anyuser/status/1714473028971880888)  2023-10-18T02:46Z [---] followers, [---] engagements


"we now anticipate wise F24 adjusted EBITDA/net income/FCF will be 535m/317m/509m. And still there's room upside for these numbers"  
[X Link](https://x.com/anyuser/status/1747971550937272351)  2024-01-18T13:17Z [---] followers, [---] engagements


"Stablecoin is NOT the right way for cross border money transfer"  
[X Link](https://x.com/anyuser/status/1726612219792859235)  2023-11-20T14:43Z [---] followers, [---] engagements


"4gross profit (margin): Wise has higher GPM during 2023"  
[X Link](https://x.com/anyuser/status/1813906860996546837)  2024-07-18T12:01Z [---] followers, [---] engagements


"And the GS analysts admit that $wise is the dominant player now"  
[X Link](https://x.com/anyuser/status/1877596188364648934)  2025-01-10T05:59Z [---] followers, [---] engagements


"We have some findings after checking website: 1Zing only accepts UK users for now; 2Zing has [--] more currencies but Wise has [--] more currencies and much more corridors; 3Zing charges 60bps for GBP/EUR and GBP/USD and 75bps for other currencies http://zing.me http://zing.me"  
[X Link](https://x.com/anyuser/status/1744271877231849511)  2024-01-08T08:16Z [---] followers, [---] engagements


"@BrianFeroldi Cloudflare is absolutely a core holding"  
[X Link](https://x.com/anyuser/status/1429981106875506705)  2021-08-24T01:37Z [---] followers, [--] engagements


"Semrush just updated Dec data. So we can update the website traffic data. It's obvious that the traffic accelerated during the Q4CY23 (Q3FY24). I now expect the Trading Update on Jan 16th will beat much. $wise http://wise.com http://wise.com"  
[X Link](https://x.com/anyuser/status/1744383082587918799)  2024-01-08T15:38Z [---] followers, [----] engagements


"Is the spike of website traffic on Nov6 related to the Standard Chartered partnership no idea"  
[X Link](https://x.com/anyuser/status/1859093978559508525)  2024-11-20T04:38Z [---] followers, [---] engagements

Limited data mode. Full metrics available with subscription: lunarcrush.com/pricing