Building the Replacement Infrastructure for the World's Money

Stepping back: We're building a business with world class fundamentals True customer led growth into a huge opportunity • Highly viral customers • >100% retention Hyper efficient growth investment economics • 66% gross margin ... funds high ROI Product Development investment .. and best in class Marketing payback Wise Account features powering growth and higher profitability • >50% new customers on Wise Account • Customers more engaged ... driving up margins through interest earned 47

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