On this episode of Chit Chat Stocks, Ryan gives a research report on Wise, the remittance and payment transfers upstart. We discuss:

(04:41) Wise: The Fintech and Remittance Disruptor

(06:37) The Low-Cost Provider for Transfers

(12:18) Expanding Beyond Transfers: Debit Card and High-Yield Cash Account

(16:22) The Wise Platform: Plugging into the Payments Network

(37:01) Customer Growth and Revenue Growth

(39:57) Gross Margins and Cost Structure

(43:49) Management and Proxy

(47:12) Share Structure

(52:23) Valuation

(57:51) Competition and Risks

(01:03:36) Advantages of Wise's Business Model

(01:07:36) Final Thoughts and Buying Decision

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