前言

WISE Account是一个门槛较低,但是提供无与伦比的多地多币的账户,提供了包括USD、GBP、EUR、SGD、CAD等货币在内的当地银行账户。

而通过WISE,可以较快且低成本的实现欧美等地区的资金流动,同时缓解了部分地区开户难、门槛高等问题

同时,是否可以接受交易所资金也是很多用户思考的问题

官网介绍

在官方的介绍页中有:

Incompatible accounts and payments 不兼容的账户和支付

经纪账户(证券)Brokerage accounts

You can pay for a transfer from USD brokerage accounts, but only if the money is sent from an account in your name — we might ask for a document that proves you own the account.

您可以支付从美元经纪账户转账的费用,但前提是款项是从您名下的账户汇出的——我们可能会要求提供证明您拥有该账户的文件。

条纹账户 Stripe accounts

You can receive money from Stripe into your Wise account. But you can't pay for a transfer, or add money from Stripe.

您可以从 Stripe 接收资金到您的 Wise 账户。但是您不能支付转账费用,也不能从 Stripe 充值。

贝宝账户 PayPal accounts

If PayPal accepts your Wise account details as a withdrawal bank account, you can receive money from your PayPal account. But you can't pay for a transfer, or add money from PayPal.

如果 PayPal 接受您的 Wise 帐户详细信息作为提款银行帐户,您就可以从您的 PayPal 帐户收到款项。但您无法支付转账费用,也无法从 PayPal 充值。

第三方账户 Accounts that show the account holder as a third party

If you're paying for a transfer, or adding money to your Wise account, the money must come from an account in your name. If the account holder is a third party, we can't accept the money. Some accounts like this are:

如果您要为转账付款或向 Wise 账户充值,则这笔钱必须来自以您名下的账户。如果账户持有人是第三方,我们不能接受这笔钱。一些这样的帐户是:

  • Estate accounts
  • Skrill accounts
  • Contis Group accounts
  • Card One accounts

我们不能接受的付款类型 Types of payments we can't accept

We never accept cash, cheques, or any cryptocurrency (crypto).

You can receive money to your Wise account from a platform that deals with cryptocurrencies — as long as the platform is regulated and/or supervised in the EU or UK.

我们从不接受现金、支票或任何加密货币(crypto)。

您可以从处理加密货币的平台向您的 Wise 账户收款——只要该平台在欧盟或英国受到监管和/或监督。

小结

  • PayPal、Stripe 可以用WISE收,但是不能用WISE付
  • Skrill等钱包不能入金【存疑,Stripe->USD是同名ACH,不过还是尽量避免】
  • 证券股票账户支持同名的美元汇入
  • WISE本身不收现金、支票、加密货币
  • WISE可以接受从其他平台(交易所等)向WISE发送的款项,只要平台至少在EU、UK中的一个地方受到监管

WISE+加密货币交易所

根据相关网友的资料,CEXIO这个交易所听说是可以直接入

然后关于境外最常用也是比较靠谱的交易所 Kraken,虽然有网上有传言说不行啊什么的,但是关于是否可行我还是额外问了下客服再操作

询问内容

Issue: What I can do with Wise

I have read the section of your WISE about restrictions ”Incompatible accounts and payments“
https://wise.com/help/articles/2932118/incompatible-accounts-and-payments

Then I noticed that
Types of payments we can't accept
You can receive money to your Wise account from a platform that deals with cryptocurrencies — as long as the platform is regulated and/or supervised in the EU or UK.

I then had the use of a cryptocurrency exchange called Kraken and after checking their credentials, I found it on
https://support.kraken.com/hc/en-us/articles/360031282351-Is-Kraken-licensed-or-regulated-

Kraken comply with legal and regulatory requirements in all jurisdictions where we operate.
Kraken client funds are held directly by clients in their own bank accounts at our partner banks, which are heavily regulated.
Kraken Bank is regulated by the Wyoming division of banking.
CryptoFacilities Ltd. is regulated by the Financial Conduct Authority (FCA), the UK's primary financial regulatory body. Reference number 757895.

About what is CryptoFacilities Ltd. I found that
https://blog.kraken.com/post/5562/crypto-facilities-becomes-first-crypto-firm-to-receive-mtf-license-in-the-uk/

Crypto Facilities Becomes First Crypto Firm to Receive MTF License in the UK
Crypto Facilities, a subsidiary of Kraken, the largest cryptocurrency exchange in Europe by euro trading volumes, has become the first cryptocurrency company to obtain a Multilateral Trading Facility (MTF) license from the UK’s Financial Conduct Authority (FCA).

Then I checked out Kraken's SEPA (EUR) service partners called "Fidor AG"
https://support.kraken.com/hc/en-us/articles/360048657612-Fidor-AG-Funding-Provider
Fidor Bank is a German online bank, founded in 2009.According to the information I have obtained, it is regulated by the relevant German authorities

Then I checked out Kraken's FPSUK (GBP) service partners called "ClearJunction"
https://support.kraken.com/hc/en-us/articles/360037603651
And Clearjunction said that ( https://clearjunction.com/about/ )“We are licensed and regulated by the Financial Conduct Authority and have offices in multiple locations across the UK and Europe, including London, Poland, Spain and Latvia.”
Clear Junction Limited, registered in England with registered number 10266827.
Registered address: 4th Floor Imperial House, 15 Kingsway, London, United Kingdom, WC2B 6UN. Clear Junction is authorised and regulated by the Financial Conduct Authority under reference number 900684.

In summary, Kraken appears to be one of the "UK regulated" cryptocurrency exchanges, with its partners for Euro funds and its partners for Sterling funds regulated in Germany and the UK respectively.
In that case, would withdrawing funds from the Kraken exchange to WISE (or vice versa) via the two aforementioned funding partners (provided by kraken built-in) comply with WISE's terms of service and restrictions or requirements

To avoid unpleasantness between us due to WISE's risk control mechanisms, compliance restrictions, and other reasons for account blocking. I also want to have a long-term legal and compliant, win-win and cooperative relationship with WISE, so I would like to make sure that this action is in compliance with WISE's regulations before performing any other operations, and if there is any other information and guidance, or more successful examples, please let me know how to proceed.

客服回答

Thanks for getting in touch.
You can send money to your Wise account from a platform that deals with Bitcoin or another cryptocurrency — as long as the platform is regulated and/or supervised in the EU or UK.
Not all businesses meet this specific requirement. If a business is registered, it doesn’t automatically mean it’s financially regulated.
Click here to see some examples of crypto asset firms with temporary FCA registration in the UK.
If you’re not sure if the platform you’re using is verified in these regions, please check before attempting a withdrawal.
As Kraken is regulated, we can accept the money from Kraken to your balances or multi-currency account.
Learn more about incompatible accounts and why Wise isn’t using cryptocurrencies to move money.
Let us know if you have any other questions — we’re happy to help.

翻译

谢谢你的联系。
你可以从一个处理比特币或其他加密货币的平台向你的Wise账户汇款--只要该平台在欧盟或英国受到监管和/或监督。
并非所有的企业都符合这一特定要求。如果一个企业注册了,并不自动意味着它在财务上受到了监管。
点击这里,查看一些在英国临时注册FCA的加密资产公司的例子。
如果你不确定你所使用的平台是否在这些地区得到验证,请在尝试提款之前进行检查。
由于Kraken是受监管的,我们可以接受从Kraken到你的余额或多币种账户的资金。
了解更多关于不兼容的账户以及为什么Wise不使用加密货币来转移资金。
如果你有任何其他问题,请告诉我们--我们很乐意帮助你。

官方关于补充说明UK监管的问题

英国进行临时 FCA 注册的加密资产公司的一些示例(包含了Revolut,Wirex,CEXIO,Kraken收购的Crypto Facilities

Cryptoasset firms with Temporary Registration
This list includes details of all cryptoasset firms with temporary registration to carry out cryptoasset activities specified under the amended
Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (MLRs).
Appearing on this list does not mean that the FCA has assessed them as fit and proper, nor that we have determined their application for the
purposes of the MLRs.
Find out about the regulation of cryptoassets and the risks of investing here https://www.fca.org.uk/consumers/cryptoassets This list was last
updated on 1 September 2021

临时注册的加密资产公司,这份名单包括所有临时注册的加密资产公司的详细信息,以开展经修订的《洗钱、恐怖融资和资金转移(付款人信息)条例》(MLRs)规定的加密资产活动。洗钱、恐怖主义融资和资金转移(付款人信息)条例2017(MLRs)。出现在这个名单上并不意味着FCA已经评估他们是合适的,也不意味着我们已经确定他们的申请是为了MLRs的目的。了解有关加密资产的监管和投资风险的信息 https://www.fca.org.uk/consumers/cryptoassets 本名单最后一次更新时间为2021年9月1日

总结

作为直接在UK的FCA列表中有的应该是相对安全的,但是无论是否在列表内,都建议调查一下你使用的交易所和交易所的资金合作商(各种银行、金融机构、支付公司)是否在欧英地区受到监管。

当然,可以收,不代表能收到,不代表能收多少,具体情况还是要咨询客服先,尤其是大额入金

题外话

WISE出金是没啥事的,正常地区的银行什么的影响不大

而入金(收款)有着大量被强制关户封号的案例,一旦被封,就是和PP一样永久拉黑【另外,WISE不允许多开,不要装逼】

入金的来源大概是这些,我根据安全性分类如下

十分安全

  • 通过WISE官网、APP直接绑定的银行账户【比如通过Plaid绑定的US银行账户】发起当地银行转账【比如ACH】

还算安全

  • 通过ApplePay套娃同名银行卡入金
  • 通过本人名下银行、证券账户转账入金

相对安全

  • 通过同名银行卡直接入金
  • WISE平台下两个账户转账
  • 通过大牌支付机构、金融科技公司的公户、同名入金(比如Apple、Google、Stripe、PayPal)

还算凑合

  • WISE平台下由另外一个实名账户汇款
  • 通过野鸡支付、金融平台同名入金
  • 通过符合WISE声称的UK、EU地区监管的交易所入金

不太安全

  • 通过不知名的中小公司对公账户入金
  • WISE平台下由另外一个未实名账户异名汇款
  • 通过被滥用的野鸡支付、金融平台同名、公户入金
  • 通过野鸡支付、金融平台公户入金

不安全

  • 通过非实名借记、信用卡(礼品卡、匿名卡、预付卡)入金
  • 通过ApplePay套娃异名银行卡入金
  • 通过野鸡支付、金融平台异名入金
  • 接受常见地区、银行的个人异名银行转账

很不安全

  • 通过异名银行卡直接入金
  • 接受非常见地区、银行的个人异名银行转账
  • 使用Skrill入金

作死

  • 通过被滥用的野鸡支付、金融平台异名入金
  • 接受黑名单地区、银行的个人异名银行转账
  • 使用不在英国欧美监管的交易所入金

自杀

  • WISE平台下由另外一个未实名账户同名汇款

后记

关于 WISE+Stripe

有网友指出:从stripe收取付款时,如果用作于商业用途,是违反使用条例的

我查阅了官方文档,发现了一篇专门的介绍,但是没有说到这个问题

How do I receive money from Stripe?

关于 WISE+Kraken

经过测试:

发起5GBP的FPS·UK提现到WISE的GBP账户
5分钟后,WISE GBP收到资金,直接入账
信息显示:Payment from PAYWARD LTD,Note:Kraken Tx AXXXX
而在海妖官网,也能看见 2011 - 2021 Payward, Inc

发起5EUR的SEPA提现到WISE的EUR账户
6小时多点后,WISE EUR收到资金,直接入账
信息显示:Payment from Payward Ltd.,Note:Kraken Tx AXXXX

WISE 可接受的使用政策

除了限制外,可能还需要阅读

可接受的使用政策

Wise Customer Agreement (for US customers)

Our agreements with you

条款非常多,而且根据注册地和语言不同的还看的不一样,而且很难切换,不知道是不是设计问题

其中有,在

https://wise.com/us/acceptable-use-policy-inc

https://wise.com/acceptable-use-policy-eea

https://wise.com/gb/legal/acceptable-use-policy-eea

中都有

我们不支持涉及以下任何类别的业务或交易,此类业务或交易可能会被拒绝。

We do not support businesses or transactions which are involved in any of the following categories, such businesses or transactions may be declined. :

金融及其他专业服务的

Financial and other professional services:

  • 参与加密货币或任何其他虚拟货币交换或交易的公司。包括用于购买加密货币的付款。
  • 来自欧洲经济区和/或欧盟或美国以外国家的市场。

根据上面2条,加上背景,我想应该主要对象是商业用户,部分指的是个人用户

  • 不能用WISE买币(但是转钱进去再买不知道算不算,尽量避免)
  • 不能是欧美以外的地区的“市场”(Marketplaces,如如亚马逊、乐天或 eBay)
  • 不能是虚拟币相关的公司(即你公司的商业业务不能是虚拟币,但是应该不含个人用户和虚拟币公司的交易)

您只能出于以下目的使用您的 Wise 帐号将资金存入您的 Wise 账户

You may only use your Wise Account Number to receive funds into your Wise Account for the following purposes:

  • 领取您自己的薪水和/或工资;
  • 从电子商务和自由职业者平台接收付款;
  • 出于个人目的从家人、朋友或您认识的其他人那里接收付款;
  • 接收您的客户和其他第三方的付款,用于商业付款。
  • 您不得使用您的个人 Wise 帐户接收商业付款。
  • receiving your own salary and/or wages;
  • receiving payouts from e-commerce and freelancer platforms;
  • receiving payments from family, friends or other people you know for personal purposes;
  • receiving payments from your clients and other third parties for the purpose of business payments.
  • You may not use your personal Wise account to receive business payments.

那么可以看出,可以接受电商、自由职业者平台(那就是Fiverr这种)但是又不能用个人 Wise 帐户进行商业付款,那可以得出

  • 你可以使用WISE商业账户,收 电商、自由职业者、客户、其他第三方的付款,但是个人账户不行(除非不是商业性质)
  • 可以收家人、朋友、认识的其他人 以个人目的 收款,那就是比如说送礼什么的
  • 工资、薪水应该可以用个人账户收款?(存疑,但是从理论上是)

 

WISE入金同名问题

当您设置转账并付款时,我们需要确保您的姓名匹配。
但是,名称规则条款不会影响您的 Wise 无边界帐户收到款项时的情况。
完成所有要求后,您将拥有自己的帐户详细信息,可以与任何想向您汇款的人(朋友、公司或客户)共享。
因此,我们不会检查他们的姓名,因为他们肯定与您的姓名不匹配。这仅用于将钱存入您的帐户。

When you setup the transfer and pay for it, then we need to make sure your name is matching.
However, the name rule clause doesn't impact when receiving the money your Wise borderless account.
Once you’ve completed all of the requirements, you’ll have your own account details that can be shared with whoever wants to send you money — friends, companies, or customers.
So, we don't check their names as they definitely doesn't match with your name. This is only for receiving the money to your account.

大意就是说,主动发起转账、入金充值,只能用自己名下的账户打钱

但是可以用账户详情(比如ACH信息、SEPA信息)从“朋友、公司或客户”获得资金

点击数:75