Why Furlpay Integrates Wise for Mid-Market FX Rates

The FX fee scam

Many neobanks and payment platforms claim to offer "free" international transfers, but they hide their fees in the exchange rate. They apply a marked-up rate and pocket the difference — which can cost users up to 3% of their transfer value.

Total transparency via Wise

Furlpay is committed to total fee transparency. That's why we integrate directly with the Wise Business API for all fiat cross-border bank deposits (ACH, SEPA, SWIFT).

• Real mid-market rate: the exact rate you see on Google, with zero markups.
• Upfront fees: conversion fees (typically 0.3% to 0.5%) are shown clearly before you confirm.

[ User Stablecoins ] ──(Li.Fi swap)──> [ Fiat Account ] ──(Wise mid-market rate)──> [ Recipient Bank ]

By combining stablecoin transfers with the Wise routing network, Furlpay lets you send money internationally at a fraction of the cost of traditional wires.