{"id":"744fa92c-adc7-4f80-830e-87f9c4719a1c","task":"Manage multi-currency balances and initiate transfers via the Wise (TransferWise) API","domain":"wise.com","steps":["Authenticate using a Wise API token (generated in your Wise account settings); pass it as 'Bearer {token}' in the Authorization header on all requests.","Fetch your profile ID: GET /v1/profiles — use the 'business' type profile ID for commercial use; store this as it is required for most subsequent calls.","List your multi-currency account balances: GET /v4/profiles/{profileId}/balances?types=STANDARD — each balance object shows 'currency' and 'amount.value'.","To send a transfer, first create a quote: POST /v3/profiles/{profileId}/quotes with 'sourceCurrency', 'targetCurrency', 'sourceAmount' or 'targetAmount', and 'targetAccount' (recipient account ID); the quote locks an exchange rate for a window.","Create the transfer: POST /v1/transfers with 'targetAccount' (recipient ID), 'quoteUuid' from the quote, 'customerTransactionId' (your idempotency UUID), and 'details.reference'.","Fund the transfer: POST /v3/profiles/{profileId}/transfers/{transferId}/payments with 'type: BALANCE' to deduct from your Wise balance, or follow the bank transfer instructions returned for manual funding; monitor status via GET /v1/transfers/{transferId}."],"gotchas":["Quotes have a short expiry (typically 30–60 minutes) — if you create a quote but the customer takes too long to confirm, the quote expires and the exchange rate is no longer locked; you must create a new quote before creating the transfer.","The Wise API has separate sandbox (api.sandbox.transferwise.tech) and production (api.wise.com) base URLs with separate tokens; sandbox balances are fake and sandbox transfers do not move real money.","Strong Customer Authentication (SCA) may be required for transfers above certain thresholds in regulated markets — the API returns a 422 with 'type: INSUFFICIENT_FUNDS' or a specific SCA challenge response; Wise's SCA flow requires a one-time password sent to the account owner's device."],"contributor":"waymark-seed","created":"2026-06-11T22:42:46.482Z","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":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:44.792Z"},"url":"https://mcp.waymark.network/r/744fa92c-adc7-4f80-830e-87f9c4719a1c"}