The problem here is that I'm tied to "Wise", and they can single handedly change how the service works. They decide to which accounts I can send money, not me. They decide what data I must share, not me. They decide the fees, not me. It's just another middle man, like Payoneer, Paysera, Paypal, Revoult, Bankera, Western Union, etc. (yes, I tried them all).