Wise

Wise Business for Global Cash Flow Funding

Wise Business enables companies to hold, send, and receive money in 40+ currencies with real exchange rates. Your Wise transaction data shows how your business operates internationally. Founderpath analyzes this data for funding based on your actual global cash flow.

International Payment Intelligence

Wise specializes in cross-border payments. Your Wise data reveals:

International Revenue

• Customer payments in their local currencies
• Multi-currency invoice collection
• Geographic revenue distribution
• Collection timing by region

Global Expenses

• Vendor payments worldwide
• Contractor payments in local currencies
• International payroll
• Cross-border operational costs

What Wise Business Data Shows

When you connect Wise Business, we analyze:

Multi-Currency Balances

• Holdings across 40+ currencies
• Total position in base currency
• Balance trends over time
• Working capital by region

Transfer Activity

• Incoming customer payments
• Outgoing vendor payments
• Internal currency conversions
• Transfer frequency and amounts

Business Patterns

• Geographic payment distribution
• Currency preferences
• Payment timing patterns
• International growth trajectory

Cash Flow Metrics

• Revenue velocity by currency
• Expense patterns globally
• Net cash flow direction
• International runway

Wise Business Features We Analyze

Multi-Currency Accounts

Hold 40+ currencies without conversion. We analyze your holdings across all currencies.

International Transfers

Send and receive globally. Transfer patterns show customer and vendor geography.

Real Exchange Rates

Wise's mid-market rates. We factor currency exposure into cash flow analysis.

Local Account Details

Receive like a local in multiple countries. Payment sources indicate market presence.

How Wise Integration Works

Step 1: Authorize Wise Connection

Select Wise Business and authorize through Wise's secure OAuth flow or via aggregator.

Step 2: Multi-Currency Import

We pull transactions and balances across all currency accounts.

Step 3: Global Normalization

Cash flow is analyzed in each currency and normalized for consistent assessment.

Step 4: Combined Analysis

Wise data combines with other connected accounts for complete visibility.

Step 5: Funding Offer

Most offers arrive within 24-48 hours regardless of complexity.

Wise + Other Data Sources

Wise + US Banking

• Mercury or Chase for US operations
• Wise for international payments
• Together: complete domestic + global picture

Wise + Revenue Systems

• Stripe for subscription billing (multi-currency)
• Wise for non-subscription revenue
• Together: all revenue sources verified

Wise + European Banking

• Revolut for EU operations
• Wise for cross-border transfers
• Together: comprehensive international view

Security and Privacy

Wise API Security

Connections use Wise's official API:

• OAuth 2.0 authorization
• Read-only transaction access
• Bank-level encryption
• Revocable at any time

What We Cannot Do

• Initiate any transfers
• Convert currencies
• Access recipient details
• Modify account settings

Why International Operations Matter

Revenue Diversification

Customers in multiple currencies indicate market diversification and reduced single-market risk.

Global Scalability

Operating internationally demonstrates a business model that can scale beyond local markets.

Financial Sophistication

Managing multi-currency treasury operations indicates mature financial management.