We also support instant transfers into EUR - but transferring money across borders instantly requires capital buffer to be held somewhere, which is a true varia

We also support instant transfers into EUR - but transferring money across borders instantly requires capital buffer to be held somewhere, which is a true variable cost that the business can't cover with a fixed fee. So there's an additional 0.05% fee for instant transfers. With Wise you're effectively forced to pay that fee. With us, you just pay if you need the urgency, which people don't always need.