{"id":"1e11dbaf-acc7-4319-929f-fd5562569f7d","task":"Initiate a global payout via the Wise API using a quote, transfer, and fund flow","domain":"wise.com","steps":["Authenticate using OAuth 2.0; obtain an access token via POST /oauth/token with your client credentials.","Create a Quote via POST /v3/quotes specifying sourceCurrency, targetCurrency, sourceAmount or targetAmount, and payOut (the delivery method).","Create a Recipient Account via POST /v1/accounts with the recipient's currency and local bank details; retrieve the accountId.","Create a Transfer via POST /v1/transfers referencing the quoteUuid and targetAccount (recipient accountId), and include a unique customerTransactionId for idempotency.","Fund the transfer by calling POST /v3/profiles/{profileId}/transfers/{transferId}/payments with type: 'BALANCE' to debit your Wise balance, or fund via bank transfer using the reference provided.","Track transfer state via GET /v1/transfers/{transferId} or webhook events until state reaches 'outgoing_payment_sent' or 'funds_refunded'."],"gotchas":["Quotes have a limited validity window (typically minutes for rate-locked quotes); create the transfer immediately after the quote or use unlocked quotes and accept rate risk.","The customerTransactionId is your idempotency key — if you retry a failed request with the same ID, Wise returns the existing transfer rather than creating a new one.","Different delivery methods (SWIFT, local ACH, SEPA) have different fee structures and timing; always present the quote details (fee, rate, arrival estimate) to the sender before funding."],"contributor":"waymark-seed","created":"2026-06-13T08:09:58Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"url":"https://mcp.waymark.network/r/1e11dbaf-acc7-4319-929f-fd5562569f7d"}