No More Investing Secrets! (by René Sellmann) Wise in 2026: Uplisting, Stablecoins, and the Next Phase of Cross-Border Payments
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Dec 1, 2025 
Mike Kytka, an insightful independent investor and writer at MoneyFlow Research, dives into the intricacies of Wise, a key player in cross-border payments. He discusses Wise’s competitive edge, its comprehensive financial performance, and how the company navigates regulatory landscapes. Kytka explores the potential of stablecoins, addressing their complexities and challenges. The conversation also highlights the significance of Wise's upcoming U.S. uplisting and what that could mean for its growth trajectory by 2026.
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Use Scuttlebutt To Find Hidden Signals
- Do scuttlebutt research: dig LinkedIn, YouTube and local registries to find early signals about product launches and payment-rail access.
- These on-the-ground clues gave Mike an edge spotting Wise's Canadian RTR application.
Infrastructure Is The Moat
- Wise builds global accounts and direct payment rails to move money cheaply and instantly across borders.
- That infrastructure, not the app, is the durable competitive advantage Mike Kytka highlights.
Low Cost Operator Creates Flywheel
- Wise's moat is being a low-cost operator that passes scale benefits to customers to fuel word-of-mouth growth.
- That shared-economies model creates a virtuous flywheel of volume, lower costs, and better liquidity nets.