Kristo Käärmann

Founder CEO @Wise. Making money work without borders.

[Kristo Käärmann @kaarmann]

And I didn't get crucified 🙏

[Kristo Käärmann @kaarmann]

Now that we're soon running out of 32-bit namespace for transfer IDs at @Wise, the engineers are annoyed with me choosing int over long when I wrote the first lines of code in 2010.

But why don't they appreciate the $17 of savings in storage cost over years!? 🤷

[Kristo Käärmann @kaarmann]

@jorgesanchoman you can do that today, open a jar and split your money.

[Igor @igorlt]

Chegou o cartão da @Wise edição da Copa 🇧🇷. Só faltou colocar suporte pra Samsung Pay pra ficar perfeito.

[Kristo Käärmann @kaarmann]

Where are you gonna move next? https://t.co/WvQdfu3d4z

[Kristo Käärmann @kaarmann]

Time to move! (we made a game)

[Fintech is Easy @fintechiseasy]

⚽️💳 Wise @Wise launches FIFA World Cup 2026 edition digital cards.

Rep your team and pay at the World Cup @FIFAWorldCup

[Masterhooks🪝 @masterhooks_]

Whoever came up with this campaign at @Wise is a genius 🤫

[Kristo Käärmann @kaarmann]

@JzMotion @Wise Fixing it. Workaround - press "Enter" instead of the button :)

[Kristo Käärmann @kaarmann]

The @wise marketing team going to town on Times Square today.

[Kristo Käärmann @kaarmann]

Hello NYC

[Harry Guinness @HarryGuinness]

On a $1000 invoice at today's exchange rates, I'd receive €784.39 from PayPal or €850.34 from @Wise. That's a €66 difference and a total gut punch.

In the past, I've told clients I'd pay any wire or transfer fees if they swapped payment method. They've all said yes.

[Kristo Käärmann @kaarmann]

@steven_finch @Wise What's the sub-segment within MSCI World that you don't want to have exposure to?

[Kristo Käärmann @kaarmann]

When the stock markets are ripping, then so does my @Wise current account with the Stocks feature.

Ofc in the months when markets go down I will lose money. Therefore money is at risk with Stocks.

[Kristo Käärmann @kaarmann]

@uncleweed @Wise You're right. Sorry to say, not yet in Japan. Working on it.

[Kristo Käärmann @kaarmann]

@stalmico @Wise Robots are not giving advice here.

[Kristo Käärmann @kaarmann]

@JorisFalter @Wise For the last many years
https://t.co/mjszYBCHGi

[Kristo Käärmann @kaarmann]

@VilleAroS @Wise Depends on where your account is registered. It's definitely available in Suomi. Go to any currency balance and look under "options" to switch it on.

[Kristo Käärmann @kaarmann]

Quarterly earnings: customer edition

Our financial year ended with March and we reported metrics for the final quarter. But how does it look from the customers' perspective?

People and small businesses hold $40 billion on their Wise accounts and earned circa $528 million from their holdings in the last 12 months. What's the problem that we're fixing?

Money sitting on your everyday spending account at a bank usually earns you nothing, yet your bank earns risk-free benchmark interest from the central bank or the government. From your money!

Enter Wise Assets. An Interest feature to bypass the bank and you to get interest from government bonds and assets guaranteed by those.

And the Stocks feature for those of us, who believe that stock markets are the best store of value on average over the long term and are willing to put their capital at risk.

[Kristo Käärmann @kaarmann]

@tanoseihito Wdym? What's an example?

[Kristo Käärmann @kaarmann]

Incredible to pay the bill by just pointing my phone's camera to a whatsapp thread that has a screenshot of the bill. No need to enter anything.

[Kristo Käärmann @kaarmann]

@ToastTraveller Rly? From camera and mixed mode where it's not all on the bill but a mixed mode, where the amount is inferred from a forwarded screenshot and recipient in text. I believe it when I see it (demo).