Why Furlpay Integrates Wise for Mid-Market FX Rates
By Payments Team · June 10, 2026 · 4 min read
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.
Payments Team
Furlpay
Written by the Furlpay team — engineers and compliance specialists building an on-chain financial operating system for stablecoin payments, travel, and investing on Arbitrum.
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