GoWire.ai started because a payment we had quoted at 0.3% arrived costing 2.4%, and nobody in the chain could say where the difference went.
The people who built it had spent years on the other side of that problem: two in bank treasury, one on payment infrastructure, all three tired of explaining a statement to a finance team that had been given a number in good faith. The cost was never hidden by accident. It was hidden because the exchange rate is a convenient place to put a fee nobody has to name.
So we built the opposite. One mid-market rate, one fee written down before you commit, and a routing engine that picks the cheapest viable path rather than the most profitable one. The automation exists to keep that promise at volume — agents that route, screen and reconcile, and that record every decision so a person can check it later.
Three years in, 58 of us move money across 42 currencies. The quote still matches the settlement. That is the whole company.
No spread on the rate, no fee that appears at settlement. If our cost moves inside the locked window, we absorb it.
Funds sit in segregated accounts at partner banks and never fund operations. Safeguarding is published and audited.
Every routing and screening decision is recorded with its inputs, so a person can always ask why a payment went that way.
Three founders from bank treasury and payment infrastructure, one thesis: publish the price.
EUR to USD on local rails, with the fee stated in the quote. Fourteen customers by December.
Authorised as a payment institution; client funds moved into segregated safeguarding accounts.
Rail selection and screening automated, with a recorded decision trail for every payment.
MAS licence and a treasury desk in the region, opening eleven Asia-Pacific currencies.
Settlements match themselves to invoices; 94% of exceptions now clear without a human.
Licensed entities in each region, one ledger behind them. Wherever your account sits, the rate and the fee are the same.
Placeholders — replace with your actual investors, or delete this section.
Send one payment on the free tier and compare it to your last bank wire. That is the fastest argument we have.