Wise
Wise (formerly TransferWise) provides cross-border payments and multi-currency accounts for personal and business customers. The Wise Platform API exposes profiles, balances, transfers, recipients, quotes, multi-currency accounts, cards, statements, and webhooks.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Wise the way a machine reads it — 59 machine-readable artifacts across 47 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Wise scores 51.7/100 (developing), with a separate agent-readiness read of 54/100 (agent ready). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Wise
Each block below is one kind of artifact we hold for Wise. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 47
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Wise 3ds API
To manage certain aspects of the 3D Secure (3DS) authentication, you will need to integrate with the following APIs.
Wise activity API
Activity represents a snapshot of a performed action for a profile.
Wise address API
Manage physical addresses associated with user profiles. Address requirements vary by country — use the address requirements endpoints to dynamically discover which fields are n...
Wise balance API
Create and manage balance accounts within a multi-currency account. Each profile can hold multiple balance accounts in different currencies. A `STANDARD` balance is limited to o...
Wise balance-statement API
Balance statements contain transactional activities on a Wise Multi-Currency Account, including deposits, withdrawals, conversions, card transactions, and fees. Statements can b...
Wise bank-account-details API
Bank account details allow users to receive money into their Wise Multi-Currency Account. Each currency balance can have local bank details (for domestic payments) and internati...
Wise batch-group API
A batch group is a named collection of up to 1000 transfers that can be managed as a single unit. Batch groups are primarily used for funding multiple transfers with a single pa...
Wise bulk-settlement API
Bulk settlement allows partners to settle multiple transfers in a single bank transfer at the end of a settlement period. This model splits transfer creation/funding from final ...
Wise card API
Manage your customers' cards programmatically. These APIs allow you to list cards, retrieve card details, control card status, and manage spending permissions. **Key capabilitie...
Wise card-kiosk-collection API
These APIs are designed to allow you to print and encrypt your card directly from a kiosk machine. The card information will be sent to our card manufacturer to configure and pr...
Wise card-order API
With this set of APIs, you will be able to create cards for your customers. You can also retrieve and view the status of your current card orders, as well as the list of availab...
Wise card-sensitive-details API
Wise is a PCI DSS compliant provider and stores all card data securely. The scope for PCI compliance depends on your use case and will impact how you integrate. For all sensitiv...
Wise card-transaction API
Retrieve information on transactions made on your users' cards. Transaction types {% #card-transaction-type .title-3 .m-t-5 %} The possible `type` values are: - `ACCOUNT_CREDIT`...
Wise case API
Partner Cases are part of the Partner Support API, allowing partners to open, retrieve and respond to support and operations queries. The endpoints described here allow partners...
Wise claim-account API
Allow a customer to take ownership of an account [created on their behalf](/api-reference/user/usercreate). Generate a short-lived `claim_account_code` and use it when [redirect...
Wise comparison API
The comparison API can be used to request price and speed information about various money transfer providers. This includes not only Wise but other providers in the market. Pric...
Wise contact API
Find discoverable Wise profiles and add them to your recipient list using an identifier — such as a Wisetag, email, or phone number — without needing bank details. Creating a tr...
Wise currencies API
Retrieve the list of currencies supported for transfers, including currency codes and display names.
Wise delivery-estimate API
Get the estimated delivery time for a transfer, showing when funds are expected to arrive in the recipient's bank account.
Wise digital-wallet API
These APIs provide encrypted cardholder information needed to implement push provisioning (Apple Pay, Google Pay) in your own mobile app.
Wise direct-debit-account API
Register and retrieve external bank accounts used to fund batch transfers via ACH (USD) or EFT (CAD) direct debit.
Wise disputes API
Raise and manage card transaction disputes, including submission via Dynamic Flow or direct API, file uploads, and dispute lifecycle tracking. For implementation details, see: -...
Wise facetec API
Wise leverages [FaceTec's](https://www.facetec.com/) facial biometric technology for authentication. Use this endpoint to retrieve the public key needed for exporting 3D FaceMaps.
Wise jose API
Wise uses the [JOSE framework](https://jose.readthedocs.io/en/latest/) to accept and respond with signed and encrypted payloads. These endpoints allow you to manage keys and tes...
Wise kyc-review API
KYC Review API provides endpoints to view, update and submit information related to the KYC flow. There are two ways to collect KYC requirements from your customers: - **Hosted ...
Wise multi-currency-account API
The Wise multi-currency account (MCA) enables users to hold, convert, and fund transfers (single or batches) with balances in up to 56 currencies. Of the 50+ currency balances s...
Wise oauth-token API
Exchange client credentials or authorisation grants for OAuth 2.0 access tokens. All grant types use `POST /oauth/token` with basic authentication (your `client_id` and `client_...
Wise payin-deposit-detail API
The payin deposit details API allows you to get the bank details for the account that the customer should send funds to when paying for a Wise transfer via a bank transfer. Thes...
Wise payins API
The payin APIs allow you to fund the MCA or transfers with local payment rails, by retrieving or creating the relevant details to send to for funding a payment. These details wi...
Wise profile API
A profile represents an identity that can send and receive money through Wise — either a personal profile (an individual) or a business profile (a company). Most API endpoints r...
Wise quote API
The quote resource defines the basic information required for a Wise transfer - the currencies to send between, the amount to send and the profile who is sending the money. The ...
Wise rate API
Current and historical exchange rates by currency routes.
Wise recipient API
Recipient or beneficiary is the one who will receive the funds. Recipient account endpoints use a mixture of our v1 and v2 APIs. Please ensure you address the right version to g...
Wise sca-device-fingerprints API
Device fingerprints are possession-based SCA challenge factors. They allow you to verify that a user is accessing the API from a recognized device. A profile can have up to 3 de...
Wise sca-facemaps API
Facemaps are inherence-based (biometric) SCA challenge factors that use FaceTec's 3D face recognition technology. Facemaps should be exported from your FaceTec server using thei...
Wise sca-otp API
For phone-based OTP (one-time password) authentication — where an OTP is a single-use 6-digit code sent to verify the identity of a user — Wise supports multiple delivery method...
Wise sca-ott API
One-time tokens are temporary authentication sessions used to track SCA challenges. When an SCA-protected endpoint is called, a one-time token is returned containing the challen...
Wise sca-pin API
PIN (Personal Identification Number) is a knowledge-based SCA challenge factor. Users create a 4-digit PIN that can be used to verify their identity when accessing SCA-protected...
Wise sca-sessions API
SCA sessions allow you to manually trigger Strong Customer Authentication, returning a one-time token along with a list of associated challenges. These challenges can be cleared...
Wise simulation API
Use these endpoints to simulate key actions in the sandbox environment, including transfer state changes, balance top-ups, card transactions, KYC reviews, and incoming payments....
Wise spend-controls API
Control which card transactions are permitted by creating rules based on merchant category code (MCC) or transaction currency. An authorisation rule dictates whether transaction...
Wise spend-limits API
Manage spending limits applied to profiles and cards. Profile limits are shared across all cards under the same profile, while card limits apply to individual cards. For more de...
Wise transfer API
A transfer is a payment order to a [recipient account](/api-reference/recipient) based on a [quote](/api-reference/quote). Once created, a transfer usually needs to be funded wi...
Wise user API
A User serves as the primary entity and can possess multiple Profiles to represent different contexts or settings. A User can have one personal Profile and multiple business Pro...
Wise user-security API
{% admonition type="warning" %} These endpoints are deprecated. Please refer to [PIN](/api-reference/sca-pin), [Facemaps](/api-reference/sca-facemaps), and [Device Fingerprints]...
Wise verification API
In certain situations, additional evidence is required to verify customers and ensure we’re compliant with the KYC regulations. Additional Verification APIs support a list of ev...
Wise webhook API
Manage webhook subscriptions at both the application and profile level. Create, list, retrieve, and delete subscriptions, as well as test your webhook endpoints. For more inform...
Scroll within the panel for all 47 ·
Open Collections 1
Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
Wise Platform API
OPEN COLLECTIONGraphQL 1
Where a provider ships GraphQL, the schema is the contract. We profile it alongside the REST surface so the whole interface is legible in one place.
GraphQL schemas published by this provider.
Wise GraphQL Schema
This conceptual GraphQL schema models the Wise (formerly TransferWise) Platform API surface, covering cross-border money transfers, multi-currency accounts, balances, recipients...
GRAPHQLPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Wise Plans Pricing
PLANSRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Wise Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Wise Finops
FINOPSEvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Wise Platform Webhooks
AsyncAPI 2.6 description of the Wise Platform webhook surface. Wise pushes HTTP `POST` notifications to subscriber-defined HTTPS endpoints when events occur against profiles, tr...
ASYNCAPISpectral Rules 1
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Wise API Rules
SPECTRALSecurity Posture 4
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Wise — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 2
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 2
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
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