金融科技公司Wise（LSE：WISE）报告2025财年（FY25）第三季度业绩强劲。跨境交易额达到378亿英镑。由于客户基础不断扩大和数字支付服务越来越广泛采用，这比去年增长了24%。

Wise报告第三季度跨境发票增长24%

The London-based fintech Fintech Financial Technology (fintech) is defined as ay technology that is geared towards automating and enhancing the delivery and application of financial services. The origin of the term fintechs can be traced back to the 1990s where it was primarily used as a back-end system technology for renowned financial institutions. However, it has since grown outside the business sector with an increased focus upon consumer services.What Purpose Do Fintechs Serve?The main purpose of fintechs would be to suppl Financial Technology (fintech) is defined as ay technology that is geared towards automating and enhancing the delivery and application of financial services. The origin of the term fintechs can be traced back to the 1990s where it was primarily used as a back-end system technology for renowned financial institutions. However, it has since grown outside the business sector with an increased focus upon consumer services.What Purpose Do Fintechs Serve?The main purpose of fintechs would be to suppl Read this Term saw its active customer base expand to over 9 million users in Q3, representing a 20% year-over-year (YoY) increase. The company continued to gain traction, evidenced by a 39% jump in card and other revenue, while total account balances grew by 26% to £16.2 billion.

第三季度基本收入增长13%，达到3.495亿英镑。经货币波动调整后，增长率为20%。该公司的跨境收购率下降11个基点至0.56%，主要是由于2025财年上半年实施的降价。

Wise联合创始人兼首席执行官Kristo Käärmann评论道：“本季度我们向实现我们的使命又近了一步，最值得注意的是，通过将Wise的可用性扩大到更多客户。”

与强劲的25财年第二季度相比，活跃客户和交易量的价值也更高，当时交易量达到352亿英镑，客户群为890万。

指示器	25财年第三季度	24财年第三季度	YoY运动
跨境交易量（十亿英镑）	37.8	30.6	24%
基础收入（百万英镑）	349.5	307.9	13%
跨境接受率（%）	0.56%	0.67%	-11个基点
即时转账（%）	65%	61%	+4 pps

为了扩大机构影响力，怀斯最近还与主要金融机构建立了合作伙伴关系。摩根士丹利为其企业客户整合了Wise的国际结算基础设施。此外，渣打银行将实施Wise的技术来增强其SC Remit跨境支付服务。

“我们很高兴宣布，摩根士丹利现在正在使用Wise为其企业客户提供国际结算功能。此外，我们宣布Wise很快将为渣打银行的跨境支付服务SC Remit提供更快、更便宜的国际支付，”首席执行官补充道。

巴西市场扩张

随着巴西消费市场的增长，Wise扩大了其服务范围，将该国的微型企业纳入其中。该公司正在努力与巴西的PX支付系统整合，以加强其本地服务。

Kääärmann解释道：“Wise账户在巴西个人中的流行导致客户快速增长，我们很高兴在本季度还推出了针对巴西微型企业的服务。”“这是我们努力与巴西的支付系统（PX）整合之际发生的，这将进一步提高我们在该国业务的质量。”

Looking ahead, Wise maintains its forecast for underlying income growth of 15–20% on a constant currency basis for FY25, though reported growth is expected to land at the lower end of this range due to foreign exchange Exchange An exchange is known as a marketplace that supports the trading of derivatives, commodities, securities, and other financial instruments.Generally, an exchange is accessible through a digital platform or sometimes at a tangible address where investors organize to perform trading. Among the chief responsibilities of an exchange would be to uphold honest and fair-trading practices. These are instrumental in making sure that the distribution of supported security rates on that exchange are effectiv An exchange is known as a marketplace that supports the trading of derivatives, commodities, securities, and other financial instruments.Generally, an exchange is accessible through a digital platform or sometimes at a tangible address where investors organize to perform trading. Among the chief responsibilities of an exchange would be to uphold honest and fair-trading practices. These are instrumental in making sure that the distribution of supported security rates on that exchange are effectiv Read this Term headwinds.

前一年是什么样子的？截至3月31日的24财年，活跃客户群接近1，300万，利润增长超过200%，达到3.546亿英镑。

金融科技公司Wise（LSE：WISE）报告2025财年（FY25）第三季度业绩强劲。跨境交易额达到378亿英镑。由于客户基础不断扩大和数字支付服务越来越广泛采用，这比去年增长了24%。

Wise报告第三季度跨境发票增长24%

The London-based fintech Fintech Financial Technology (fintech) is defined as ay technology that is geared towards automating and enhancing the delivery and application of financial services. The origin of the term fintechs can be traced back to the 1990s where it was primarily used as a back-end system technology for renowned financial institutions. However, it has since grown outside the business sector with an increased focus upon consumer services.What Purpose Do Fintechs Serve?The main purpose of fintechs would be to suppl Financial Technology (fintech) is defined as ay technology that is geared towards automating and enhancing the delivery and application of financial services. The origin of the term fintechs can be traced back to the 1990s where it was primarily used as a back-end system technology for renowned financial institutions. However, it has since grown outside the business sector with an increased focus upon consumer services.What Purpose Do Fintechs Serve?The main purpose of fintechs would be to suppl Read this Term saw its active customer base expand to over 9 million users in Q3, representing a 20% year-over-year (YoY) increase. The company continued to gain traction, evidenced by a 39% jump in card and other revenue, while total account balances grew by 26% to £16.2 billion.

第三季度基本收入增长13%，达到3.495亿英镑。经货币波动调整后，增长率为20%。该公司的跨境收购率下降11个基点至0.56%，主要是由于2025财年上半年实施的降价。

Wise联合创始人兼首席执行官Kristo Käärmann评论道：“本季度我们向实现我们的使命又近了一步，最值得注意的是，通过将Wise的可用性扩大到更多客户。”

与强劲的25财年第二季度相比，活跃客户和交易量的价值也更高，当时交易量达到352亿英镑，客户群为890万。

指示器	25财年第三季度	24财年第三季度	YoY运动
跨境交易量（十亿英镑）	37.8	30.6	24%
基础收入（百万英镑）	349.5	307.9	13%
跨境接受率（%）	0.56%	0.67%	-11个基点
即时转账（%）	65%	61%	+4 pps

为了扩大机构影响力，怀斯最近还与主要金融机构建立了合作伙伴关系。摩根士丹利为其企业客户整合了Wise的国际结算基础设施。此外，渣打银行将实施Wise的技术来增强其SC Remit跨境支付服务。

“我们很高兴宣布，摩根士丹利现在正在使用Wise为其企业客户提供国际结算功能。此外，我们宣布Wise很快将为渣打银行的跨境支付服务SC Remit提供更快、更便宜的国际支付，”首席执行官补充道。

巴西市场扩张

随着巴西消费市场的增长，Wise扩大了其服务范围，将该国的微型企业纳入其中。该公司正在努力与巴西的PX支付系统整合，以加强其本地服务。

Kääärmann解释道：“Wise账户在巴西个人中的流行导致客户快速增长，我们很高兴在本季度还推出了针对巴西微型企业的服务。”“这是我们努力与巴西的支付系统（PX）整合之际发生的，这将进一步提高我们在该国业务的质量。”

Looking ahead, Wise maintains its forecast for underlying income growth of 15–20% on a constant currency basis for FY25, though reported growth is expected to land at the lower end of this range due to foreign exchange Exchange An exchange is known as a marketplace that supports the trading of derivatives, commodities, securities, and other financial instruments.Generally, an exchange is accessible through a digital platform or sometimes at a tangible address where investors organize to perform trading. Among the chief responsibilities of an exchange would be to uphold honest and fair-trading practices. These are instrumental in making sure that the distribution of supported security rates on that exchange are effectiv An exchange is known as a marketplace that supports the trading of derivatives, commodities, securities, and other financial instruments.Generally, an exchange is accessible through a digital platform or sometimes at a tangible address where investors organize to perform trading. Among the chief responsibilities of an exchange would be to uphold honest and fair-trading practices. These are instrumental in making sure that the distribution of supported security rates on that exchange are effectiv Read this Term headwinds.

前一年是什么样子的？截至3月31日的24财年，活跃客户群接近1，300万，利润增长超过200%，达到3.546亿英镑。