Building the Replacement Infrastructure for the World's Money

20% 80% So how will we utilise this interest income? ~1ppt Flows to EBITDA resulting in higher margins Flows to EBITDA (where we cannot return this as interest per below) Provide Wise Account incentives: Reward customers on their balances: live in EU, and US. Will extend to other countries but will take time • Provide account incentives: cashback on cards, discretionary fee refunds, (where we cannot pay interest) • We won't use to drop cross prices or fund general opex (avoid creating dependency) The first ~1ppt yield covers account feature costs and helps us avoid/reduce any account fees (e.g., subscription, domestic payout fees) 52

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