Building the Replacement Infrastructure for the World's Money

Looking ahead: Time to double down Product and infrastructure Sustainably disrupt cross border pricing Use interest income to power growth with a better Wise Account proposition Continue to invest in Product Development teams and Marketing (not funded by interest) Continue to run our cross border volume at a ~20% margin, dropping prices where we can to 'extend the moat' (not funded by interest) Use of interest income: - Use up to 80% of interest to strengthen the Wise Account customer proposition - Remaining 20% of gross interest flows to EBITDA We're building a business that's not dependent on interest income Interest makes the Wise Account proposition stronger, and leads to higher profitability 48

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