Send cross-border transfers with Wise: quotes, recipients, transfers, and multi-currency balances.
Wise ships in the w6w first-party pack. It declares 19 actions, 2 health checks, and the host runs its code in a sandbox that never sees the credential.
io.w6w.wiseWise (formerly TransferWise) moves money across borders at close to the real exchange rate. This app covers the path most Wise automations need: create a quote for a currency pair, attach or create a recipient account, turn the quote into a transfer, fund it from a multi-currency balance, and track its status through to completion.
Beyond the send-money path it also surfaces profile management, live and historical exchange rates, the full currency list, and balance/statement reads for reconciliation.
Wise’s Personal API Token is documented as a business-account feature with a closed, stated scope (quotes, recipients, transfers, tracking) that does not fully match what its own API reference declares per endpoint — this app documents that gap rather than guessing past it. Two write actions (funding a transfer, reading a balance statement) are Strong Customer Authentication (SCA) protected outside a short list of countries, and are documented as such.
Three routes to the same 19 actions. The Workflow tab is generated from Wise's own manifest and carries its real ids, so it is copy-pasteable; the Code and CLI examples are the same call for any action on any app, so every app-specific value in them is a blank you fill in.
balance-statement-get Get a balance's transaction history as a JSON statement. SCA-protected outside US/CA/AU/NZ/SG/MY — see this app's README.
quote-create Create an authenticated quote for a transfer: currencies, amount, and profile.
quote-update Attach a recipient account (and optionally a payout method) to an existing quote.
recipient-create Create a recipient (beneficiary) account for a specific currency and account type.
transfer-fund Fund a transfer from a multi-currency balance. SCA-protected outside US/CA/AU/NZ/SG/MY — see this app's README.
transfer-list List transfers, optionally filtered by profile, status, currency, or date range.
A workflow step names the app and the action, and the editor fills in the
connection when you pick one. This is the Step shape from the
workflow spec, carrying Wise's real ids.
{
"manifestVersion": "2",
"name": "wise-example",
"steps": [
{
"id": "balance-get",
"uses": {
"app": "io.w6w.wise",
"action": "balance-get",
"connection": "conn_YOUR_CONNECTION_ID"
},
"with": {
"profileId": "<profileId>",
"balanceId": "<balanceId>"
}
}
]
}balance-get account-get balance-list balance-statement-get currency-list +14 more actions available
Every app-specific value here is a blank you have to fill in. An
app action is reached through the connection that authenticates it, so the
address is a connection id, not the app id — and connections belong to your account,
so a public page cannot know yours. Create one for Wise, then fill in
the three blanks: conn_YOUR_CONNECTION_ID, the action key, and the
parameters that action declares. The call itself is real — the shape is transcribed
from the studio's own snippet builder, which prints the same kind of blanks — but
nothing in it is specific to Wise. The Workflow tab is where this app's
real ids are.
npm install @w6w/sdkyarn add @w6w/sdkpnpm add @w6w/sdkdeno add npm:@w6w/sdkimport { W6wClient, isActionRun } from "@w6w/sdk";
// Reads W6W_BASE_URL and W6W_TOKEN from the environment when omitted.
const client = new W6wClient();
const envelope = await client.run({
urn: "conn_YOUR_CONNECTION_ID",
action: "balance-get",
payload: {
profileId: "<value>",
balanceId: "<value>",
},
});
if (isActionRun(envelope)) console.log(envelope.value); npm install -g @w6w/cli w6w run conn_YOUR_CONNECTION_ID --action balance-get --payload '{"profileId":"<value>","balanceId":"<value>"}' Give an AI agent Wise — without giving it Wise's credentials. One MCP endpoint exposes every app, function and workflow the caller is entitled to, as tools it can discover and run. Access is granted per team while we onboard.
One tool call{
"name": "w6w_invoke",
"arguments": {
"ref": "app:io.w6w.wise#balance-get",
"input": {
"profileId": "<profileId>",
"balanceId": "<balanceId>"
}
}
}
Every tool names its target with a single ref. The
app: form above doesn't name a connection at all — the
host resolves which of the caller's Wise connections to sign
with, and refuses rather than guesses when the answer is ambiguous.
The token is attached host-side, at the moment of the call. It is never a tool argument, never in the model's context, and never in a transcript — so a prompt injection has nothing to exfiltrate.
Tools are derived per end user from what that person has actually connected and is entitled to — not one shared bot identity carrying the union of everyone's access.
Multi-step work runs on the workflow engine and returns a run handle the agent can poll — retries, branching and state survive the conversation that started them.
Wise's declared health checks are on the surface too, so an agent can tell "the vendor is down" from "your credential expired" before it burns a retry on either.
The MCP surface is part of the hosted platform. Wise itself is MIT, and the runtime that executes it is source-available (FSL).
Wise declares its own checks, so its health is a property of the app rather than something the host guesses at.
Component status from status.wise.com: Mobile App, Website, Account, Payments, Debit Card, API, and Customer Support. The verdict comes from the page's own status.indicator roll-up, not from any single component.