Wise (WSE) investor relations material

Strategic vision and market opportunity

• Focused on transforming cross-border money movement with a unique infrastructure and customer-centric products, targeting a $43 trillion total addressable market.

• Currently serves less than 1% of the cross-currency market, highlighting significant growth potential.

• Customer base has grown to 19 million active users, with $243 billion in cross-currency transactions last year, up 31% year-over-year.

• Customer growth is primarily organic, with ~70% driven by word of mouth.

• Diversified revenue base and geographical footprint, with Europe (ex-UK) at 28%, UK at 26%, APAC at 18%, USA at 15%, and RoW at 12%.

Product innovation and customer experience

• Wise Account offers instant, transparent, low-cost international transfers, multi-currency holdings, and returns via assets.

• 75% of international transactions arrive in less than 20 seconds, with 99.9%+ uptime and 24/7 support.

• AI-driven features enhance convenience, such as invoice scanning, automated recipient detail entry, and onboarding productivity.

• Wise Business targets small and micro-businesses, with plans to expand to larger enterprises through advanced workflows and integrations.

• Value-driven marketing and word of mouth are key to customer acquisition, with a minimum IRR target of 20%.

Infrastructure and technology

• Proprietary global infrastructure includes over 80 licenses and direct connections to eight domestic payment systems, including Japan and Brazil.

• Over 1,000 engineers focus on cross-border payments, enabling rapid product development and operational efficiency.

• AI adoption has increased code shipping speed by 25% and improved customer support resolution rates, with 46% of chat contacts resolved via LLMs.

• Direct connections to payment systems reduce costs by ~70% and increase speed, with 75% of payments now instant and 99% instant payments in some corridors.

• Built proprietary technology over 15 years, supporting scalability and operational excellence.