Wise is yet another FinTech company giving the big banks a real run for their buck. It does only one thing – international cross currency transfer. While traditional banks charge retail customers and small medium business owners an average of 6% of the whole transaction, Wise is pushing that take rate down to 0.7% or even lower. In fact, their goal as a company is to bring transaction fees down to zero. No cross currency transfer fees, so how are they going to make money?