[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.]  Grana Research [@granaresearch](/creator/twitter/granaresearch) on x XXX followers Created: 2025-07-22 07:05:08 UTC Wise $WISE $WISE.L is one of the best investment opportunities across fintechs because: ▪️Wise offers the lowest-cost solution in the industry: the average take rate for personal transfers is 0.57%, and for business transfers – 0.39%. The blended take rate stands at 0.52%, down from XXXX% a year earlier. For comparison, Western Union’s rate remains around ~3.5%, and Remitly’s at ~2.3%. ▪️The low take rate is a result of Wise’s advanced infrastructure, which took years to build. Replicating it is difficult, requiring dozens of integrations, licenses, and regulatory approvals across jurisdictions. This creates a strong competitive moat, which Wise continues to deepen by deliberately lowering its take rate as it scales. ▪️The low take rate drives higher transfer volumes and growing customer balances held in Wise’s multi-currency accounts – a key source of interest income. This creates a self-reinforcing cycle: lower fees drive volume growth, which in turn enables further price cuts, making Wise increasingly competitive. ▪️Wise has multiple growth levers. Its core business remains the B2C segment with the Wise Account, which drives growth in customer balances, card revenues, and interest income. The B2B segment (Wise Business) also holds significant potential, as the corporate remittance market is much larger and Wise’s current penetration remains low. ▪️Wise Platform enables fintechs and banks to embed transfers into their products. While it currently accounts for less than X% of volume, it is already used by players like Morgan Stanley, Interactive Brokers, and Raiffeisen Bank, and could become a major volume growth driver. Management expects the Platform to reach XX% of total volumes in the medium term and over XX% in the long term. ▪️Wise's current valuation levels are reasonable for initiating a position: the company is trading at a 2025 FCF yield (to EV) of ~4.61% and a 2026 yield of ~5.84%, with expected Free Cash Flow growth of XXXX% in 2026 and a projected FCF CAGR of ~17.2% through 2030. A deep-dive research on the stock is presented here:  XXX engagements  **Related Topics** [investment](/topic/investment) [$wisel](/topic/$wisel) [$wise](/topic/$wise) [coins defi](/topic/coins-defi) [Post Link](https://x.com/granaresearch/status/1947553482459746688)
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Grana Research @granaresearch on x XXX followers
Created: 2025-07-22 07:05:08 UTC
Wise $WISE $WISE.L is one of the best investment opportunities across fintechs because:
▪️Wise offers the lowest-cost solution in the industry: the average take rate for personal transfers is 0.57%, and for business transfers – 0.39%. The blended take rate stands at 0.52%, down from XXXX% a year earlier. For comparison, Western Union’s rate remains around ~3.5%, and Remitly’s at ~2.3%.
▪️The low take rate is a result of Wise’s advanced infrastructure, which took years to build. Replicating it is difficult, requiring dozens of integrations, licenses, and regulatory approvals across jurisdictions. This creates a strong competitive moat, which Wise continues to deepen by deliberately lowering its take rate as it scales.
▪️The low take rate drives higher transfer volumes and growing customer balances held in Wise’s multi-currency accounts – a key source of interest income. This creates a self-reinforcing cycle: lower fees drive volume growth, which in turn enables further price cuts, making Wise increasingly competitive.
▪️Wise has multiple growth levers. Its core business remains the B2C segment with the Wise Account, which drives growth in customer balances, card revenues, and interest income. The B2B segment (Wise Business) also holds significant potential, as the corporate remittance market is much larger and Wise’s current penetration remains low.
▪️Wise Platform enables fintechs and banks to embed transfers into their products. While it currently accounts for less than X% of volume, it is already used by players like Morgan Stanley, Interactive Brokers, and Raiffeisen Bank, and could become a major volume growth driver. Management expects the Platform to reach XX% of total volumes in the medium term and over XX% in the long term.
▪️Wise's current valuation levels are reasonable for initiating a position: the company is trading at a 2025 FCF yield (to EV) of ~4.61% and a 2026 yield of ~5.84%, with expected Free Cash Flow growth of XXXX% in 2026 and a projected FCF CAGR of ~17.2% through 2030.
A deep-dive research on the stock is presented here:
XXX engagements
Related Topics investment $wisel $wise coins defi