No More Investing Secrets! (by René Sellmann) Wise in 2026: Uplisting, Stablecoins, and the Next Phase of Cross-Border Payments
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Dec 1, 2025 
Mike Kytka, an insightful independent investor and writer at MoneyFlow Research, dives into the intricacies of Wise, a key player in cross-border payments. He discusses Wise’s competitive edge, its comprehensive financial performance, and how the company navigates regulatory landscapes. Kytka explores the potential of stablecoins, addressing their complexities and challenges. The conversation also highlights the significance of Wise's upcoming U.S. uplisting and what that could mean for its growth trajectory by 2026.
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Interview Revealed Cost-First Culture
- Mike interviewed at Wise and saw hiring focus on cost-efficient engineering during the interview coding tasks.
- That experience convinced him Wise hires with unit-cost reduction as a cultural priority.
Direct Rails Cut Cost And Latency
- Direct access to payment rails reduces costs roughly tenfold versus using banking partners, and boosts speed.
- Wise already settles most transfers instantly or within an hour, far ahead of incumbents.
Netting And Treasury Are Competitive Edges
- Wise nets flows across corridors and uses intelligent treasury/ML to reduce working capital and FX costs.
- That scale in liquidity and forecasting amplifies unit-cost advantage over rivals.