GoWire.ai wires money across 42 currencies on the mid-market rate, with one fee stated up front. Our agents route each payment through local rails, watch it land, and clear the exceptions before your team hears about them.
| No. | Measure | Value | Note |
|---|---|---|---|
| 01 | Payments settled in under an hour | 62% | Across instant local rails |
| 02 | Average all-in cost | 0.38% | Fee plus spread, blended |
| 03 | Exceptions cleared without a human | 94% | Agent resolves and evidences |
| 04 | Corridors live | 42 | Currencies, 160 countries |
Enter the amount and the corridor. You get the mid-market rate, the fee, and the arrival window before anything moves.
Fund once from your existing bank. Our agents pick the cheapest viable rail, screen the payment, and push it out.
Confirmations come back matched to your invoices, with an evidence file your auditors can read without asking you anything.
The mid-market rate with no spread bolted on. The fee is stated before you commit and does not change afterwards.
Hold 42 currencies, pay out locally, and stop paying to convert twice on the way to the same supplier.
Settlement confirmations match themselves to invoices and post to your ledger. Month-end stops being a week.
Upload 5,000 payees or call the API. Failures come back itemised with the reason, not as one rejected file.
Thresholds, dual authorisation and role-based limits, enforced on the payment rather than in a policy document.
Every payment has a status you can quote to your supplier, from screening to credited to the beneficiary.
| On a €50,000 wire | GoWire.ai | Typical bank |
|---|---|---|
| Exchange rate | Mid-market | Mid-market + 1.9% spread |
| Transfer fee | €175 | €25 wire + spread |
| Total cost | €175 | €975 approx. |
| Arrival | Minutes | 2–4 business days |
| Reconciliation | Automatic | Manual, from a statement |
€0
First €10,000 sent each month, then 0.45%
0.35%
Per payment, no monthly minimum
0.25%
From, on committed annual volume
Client funds never touch our balance sheet. Every payment is screened before it moves and evidenced after it lands, so your auditors get a file instead of a conversation.
Client funds held in segregated accounts at tier-one partner banks.
Audited annually; report available under NDA.
Sanctions and PEP checks run on every payment before it moves.
TLS 1.3 in transit, AES-256 at rest, keys in an HSM.
SSO, SCIM provisioning and role-based approval limits.
Immutable audit trail exportable per payment or per period.
REST and webhooks, idempotency keys on every call, sandbox keys the moment you sign up. Quote, create, and reconcile without a single spreadsheet.
POST /v1/payments
{
"source": { "currency": "EUR", "amount": 50000 },
"target": { "currency": "USD" },
"beneficiary": "ben_8f2c19",
"reference": "INV-20268"
}
201 Created
{
"id": "pay_3ka91x",
"rate": 1.0842,
"fee": { "currency": "EUR", "amount": 175 },
"target_amount": 54020.85,
"status": "routing",
"eta": "2026-08-26T14:22:00Z"
}The fee you see is the whole business model: a percentage of the amount sent, falling as volume rises. We take nothing on the exchange rate itself, which is why the quote and the settlement match.
It picks the routing path across our banking partners for cost and speed, screens the payment, then matches settlement confirmations back to your invoices. When something breaks — a bad IBAN, a compliance hold — it gathers the evidence and tells you what to fix.
About 62% of payments land within an hour on local rails. Corridors without instant rails settle the same or next business day; the quote tells you which one you're in before you commit.
No. Start with one payment on the free tier and move to Scale pricing when your monthly volume justifies it.
GoWire.ai sits alongside your accounts rather than replacing them — fund from your existing bank, pay out through ours.
Open an account in minutes, send up to €10,000 free, and keep the rate you were quoted. No sales call required.