Wise Expands US Offering with New Interest and Stock Investment Products

Wise has expanded its United States product suite by introducing interest-bearing and investment options directly within its multi-currency account. By allowing users to earn returns on USD balances without locking away funds, the move signals a strategic shift from pure cross-border payments toward a comprehensive wealth management platform for international users and businesses.

What was announced

The expansion introduces two new products, Wise Interest and Stocks, which are available to customers holding USD balances. These products are offered through Wise US Assets Inc., a registered broker-dealer and Member of SIPC. The primary differentiator of these offerings is the preservation of liquidity; unlike traditional savings or investment vehicles that often require fixed terms or withdrawal penalties, customers who opt in retain instant access to their funds for sending and spending.

Wise Interest enables users to earn a return on USD through a money market fund that holds government-backed assets. These returns are calculated daily and distributed monthly. Notably, over 90% of the returns earned through this fund may be exempt from state and local income taxes. For those seeking potential long-term growth, the Stocks product allows customers to invest their balances into an S&P 500 index fund.

The launch follows a period of significant growth in customer deposits. Global customer holdings at Wise increased by 40% to reach $39 billion in the last financial year. In the US specifically, income generated through the company’s existing Basic Interest offering rose by nearly 17% year-over-year in FY26. Currently, the platform supports the holding and conversion of more than 40 currencies, provides local account details for nine currencies, and processes 77% of international payments in under 20 seconds.

"In the US, earning a competitive return too often means locking your money away or juggling multiple accounts. But with Wise Interest and Stocks, people and businesses in the US no longer have to choose between making their money work harder and actually being able to use it. They have the freedom to do both."

Vinay Nilakantan, Head of Product for North America at Wise

The companies involved

Wise is a global technology company focused on building infrastructure to move and manage money across borders. While it established its reputation as a disruptor in the foreign exchange and remittance market by challenging the hidden fees of traditional banks, it has increasingly evolved into a broader financial services provider. The company operates a global platform that services both individual consumers and businesses, emphasizing speed and transparency in currency conversion.

The firm has become a staple of the fintech sector, with FF News having reported on its developments 96 times. Its market position is defined by its ability to integrate complex regulatory and banking infrastructure into a streamlined user experience. The introduction of investment and interest-bearing products in the US market through its dedicated broker-dealer arm, Wise US Assets Inc., represents a deepening of its regulatory footprint and a direct challenge to both traditional brokerage firms and neobanks.

What FF News has reported before

FF News has closely tracked the company’s recent performance and leadership changes. In late 2026, the firm published its Wise Reports Strong Q2 FY27 Results with 22% Cross-Border Volume Growth, highlighting sustained momentum in its core business. This followed the significant Wise Appoints Former NICE CEO Barak Eilam as Chair Designate to Drive Global Scaling, a move aimed at bolstering its international expansion efforts.

The company has also been active in product localization and advocacy. It recently Wise Launches All-in-One Chequing Account in Canada to Simplify Borderless Banking, mirroring the diversification seen in today’s US announcement. Furthermore, the firm has continued its campaign for fee transparency, as seen when Wise Downgrades UK in G20 Scorecard as Brits Lose £10 Billion to Hidden Fees.

What this means

This announcement moves the needle by blurring the lines between a payment wallet and a brokerage account. By integrating yield-generating assets directly into a transactional balance, Wise is addressing a major pain point for international businesses and expats who often leave large sums of capital idle to avoid the friction of moving money between accounts. This puts immediate pressure on US neobanks and traditional incumbents who rely on low-yield deposits to maintain margins. The industry must now grapple with the reality that "utility" in fintech is no longer just about moving money cheaply; it is about the efficiency of the capital while it sits in transit.