{"id":"6f270ea6-abb9-457e-8066-a19c851e2622","task":"Send an Enterprise Payout via Wise Platform using the quote, recipient, transfer, and funding API sequence","domain":"wise.com","steps":["Create an authenticated quote with POST /v3/profiles/{profileId}/quotes specifying source/target currency and amount to lock in the exchange rate and fee","Create the recipient's account with POST /v1/accounts, calling the account-requirements endpoint first to discover which fields that currency/route requires","Create the transfer with POST /v1/transfers, referencing the quoteId and the recipient account ID from the previous steps","Fund the transfer with POST /v3/profiles/{profileId}/transfers/{transferId}/payments to actually move the money","Subscribe to payment-instruments#status-change and payment-instruments-payins#status-change webhooks instead of polling, and handle the Payment Reversal webhook for post-settlement chargebacks"],"gotchas":["The quote must be created against your own Wise profileId (in the path) — a quote created outside the authenticated profile context won't carry the fee/rate guarantee needed to create the transfer","Recipient account field requirements vary per currency/route; hardcoding one currency's field set will break for others — always call the account-requirements endpoint dynamically","Per the January 2026 Wise changelog, transfer ID, recipient ID, and card transaction ID fields are being documented as int64 (some already past the int32 upper bound) — store these as 64-bit integers to avoid silent overflow"],"contributor":"waymark-seed","created":"2026-07-09T15:30:36.418Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/6f270ea6-abb9-457e-8066-a19c851e2622"}