[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Rose Celine Investments đš [@realroseceline](/creator/twitter/realroseceline) on x 7994 followers Created: 2025-05-14 19:43:01 UTC Got a lot of worthwhile questions about $WISE, here is a thread to answer some of them (with the help of ChatGPT đ): 1/ Most people think international money transfers are just⌠wires. Bank A sends money to Bank B. Done, right? But thatâs not how Wise (formerly TransferWise) built a billion-dollar business. They never really âsendâ your money across borders. Letâs break down the brilliance of their model: 2/ First, the pain point: Traditional international transfers are a nightmare. â˘Slow (can take 3â5 days) â˘Expensive (hidden fees + bad exchange rates) â˘Complex (multiple intermediaries, delays, FX risk) $WISE flipped the script with one big idea. 3/ Instead of actually transferring money across countries⌠Wise matches local transactions. If youâre sending $XXXXX from the US to the UK, Wise keeps your dollars in the US. And they pay ÂŁX from their UK account to the recipient. No money crosses the border. Genius. 4/ How is that possible? Wise holds bank accounts in almost every country they operate in. They use those local accounts to receive and send money within each region. So every transaction is domestic â just mirrored on both ends. 5/ This is effectively a form of currency pool arbitrage. They donât rely on costly SWIFT wires or FX desks. They rely on the fact that for every dollar going out, someone else is sending a euro (or pound, or rupee) in the opposite direction. They just match the flows. 6/The result? â˘Near-instant transfers â˘Transparent, mid-market exchange rates â˘Fees a fraction of what banks or PayPal charge â˘Massive scalability They arenât really a remittance company. Theyâre an FX-clearing platform, powered by clever infrastructure. 7/ This also gives Wise a powerful network effect: The more users they have in each currency pair, the more efficiently they can match flows. That reduces the need for their own capital buffers and makes transfers faster and cheaper. Volume = speed = margin = defensibility. 8/ The founders of Wise, Taavet Hinrikus and Kristo Käärmann, didnât come from banking. They were frustrated customers. One lived in London but got paid in euros. The other lived in Estonia and needed pounds. They just started swapping money directly. That idea scaled. 9/ Now Wise moves tens of billions of dollars every quarter. Theyâre public, profitable, and still growing. And the core insight hasnât changed: You donât need to send money across borders. You just need a smart way to match people who are going in opposite directions. 10/ The takeaway: Sometimes the smartest business models donât solve a problem by brute force. They sidestep the problem entirely. Wise didnât build faster wires. They built a workaround â and turned it into a global payments machine. XXXXX engagements  **Related Topics** [fintech](/topic/fintech) [money](/topic/money) [open ai](/topic/open-ai) [celine](/topic/celine) [$wise](/topic/$wise) [coins defi](/topic/coins-defi) [Post Link](https://x.com/realroseceline/status/1922739446375645470)
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Rose Celine Investments đš @realroseceline on x 7994 followers
Created: 2025-05-14 19:43:01 UTC
Got a lot of worthwhile questions about $WISE, here is a thread to answer some of them (with the help of ChatGPT đ):
1/ Most people think international money transfers are just⌠wires.
Bank A sends money to Bank B. Done, right?
But thatâs not how Wise (formerly TransferWise) built a billion-dollar business. They never really âsendâ your money across borders.
Letâs break down the brilliance of their model:
2/ First, the pain point:
Traditional international transfers are a nightmare.
â˘Slow (can take 3â5 days) â˘Expensive (hidden fees + bad exchange rates) â˘Complex (multiple intermediaries, delays, FX risk)
$WISE flipped the script with one big idea.
3/ Instead of actually transferring money across countriesâŚ
Wise matches local transactions.
If youâre sending $XXXXX from the US to the UK, Wise keeps your dollars in the US.
And they pay ÂŁX from their UK account to the recipient.
No money crosses the border. Genius.
4/ How is that possible?
Wise holds bank accounts in almost every country they operate in. They use those local accounts to receive and send money within each region.
So every transaction is domestic â just mirrored on both ends.
5/ This is effectively a form of currency pool arbitrage.
They donât rely on costly SWIFT wires or FX desks.
They rely on the fact that for every dollar going out, someone else is sending a euro (or pound, or rupee) in the opposite direction.
They just match the flows.
6/The result?
â˘Near-instant transfers â˘Transparent, mid-market exchange rates â˘Fees a fraction of what banks or PayPal charge â˘Massive scalability
They arenât really a remittance company.
Theyâre an FX-clearing platform, powered by clever infrastructure.
7/ This also gives Wise a powerful network effect:
The more users they have in each currency pair, the more efficiently they can match flows.
That reduces the need for their own capital buffers and makes transfers faster and cheaper.
Volume = speed = margin = defensibility.
8/ The founders of Wise, Taavet Hinrikus and Kristo Käärmann, didnât come from banking.
They were frustrated customers.
One lived in London but got paid in euros.
The other lived in Estonia and needed pounds.
They just started swapping money directly.
That idea scaled.
9/ Now Wise moves tens of billions of dollars every quarter.
Theyâre public, profitable, and still growing.
And the core insight hasnât changed:
You donât need to send money across borders.
You just need a smart way to match people who are going in opposite directions.
10/ The takeaway:
Sometimes the smartest business models donât solve a problem by brute force.
They sidestep the problem entirely.
Wise didnât build faster wires.
They built a workaround â and turned it into a global payments machine.
XXXXX engagements
Related Topics fintech money open ai celine $wise coins defi