Wise vs Deep Simplicity Core

Wise is an international money transfer and multi-currency money app. 16 million+ customers send, receive, spend and grow their money internationally with Wise. It’s the fast, simple way to move money in 145+countries and 45+ currencies. Products available depend on where you live. Check wise.com or download the app to see what’s available for you. — International money transfers — • Send money internationally to 70+ countries, fast • Get the mid-market exchange rate, for every money transfer • Over 65% of transfers are instant, arriving in under 20 seconds (transaction speed claimed depends on individual circumstances and may not be available for all transactions) • Secure your transfers with two-factor authentication, encryption and biometrics — The Wise Multi-Currency Card that’s always got the right currency — • Spend or withdraw cash in more than 160 countries • If you don’t have the local currency, we’ll auto-convert what you have with the lowest possible price • Freeze and unfreeze your card, and update your digital card details — Get paid internationally like a local — • Get your own UK account number and sort code, European IBAN, Australian account details and more, as if you had local bank accounts around the world • Use these account details to get paid and receive money in multiple currencies for free, and for direct debits • Keep up-to-date with instant push notifications for every transaction — Hold and convert 40 currencies instantly — • No monthly fee and no maintenance fee to keep money in your account, in most cases • Convert between currencies instantly, at the mid-market exchange rate, for a super-low fee • Auto-convert currencies at specific rates, and keep up to date with exchange rates with Rate Alerts — Wise Business — a better business account for going global — • Pay international invoices and bills faster, at a better exchange rate • Use account details to get paid internationally by clients and customers around the world • Connect to supported platforms like Amazon, Stripe, Xero, and more Wise is regulated by local authorities around the world. Wise is a Money Service Business (“MSB””) registered with FinCEN, not an FDIC-insured bank. It is authorized to operate as a MSB in most states. In other states, the MSB program is sponsored by Community Federal Savings Bank, to which we’re a service provider. The Wise Multi-Currency Card Program is issued by Wise’s sponsor Bank(s)*, member(s) FDIC, pursuant to licensing by Visa® U.S.A. Inc. The Wise Multi-Currency Card is available to eligible consumers and commercial entities. Not available in all countries. Fees vary based on type of transaction. T&C apply. Find more info at https://wise.com/us/ *Lead Bank and Community Federal Savings Bank. Capital at risk. Past performance does not guarantee future growth. Interest is an investment service, availability and provider vary by location. Please check Wise.com/interest for more information. Send to: EUR (Euro), USD (US dollar), GBP (British pound), AED (UAE dirham), ARS (Argentine peso), AUD (Australian dollar), BDT (Bangladeshi taka), BGN (Bulgarian lev), BRL (Brazilian real), CAD (Canadian dollar), CHF (Swiss franc), CLP (Chilean peso), CNY (Chinese yuan), CRC (Costa Rican colón), CZK (Czech koruna), DKK (Danish krone), EGP (Egyptian pound), GHS (Ghanaian cedi), GEL (Georgian lari), HKD (Hong Kong dollar), HUF (Hungarian forint), IDR (Indonesian rupiah), ILS (Israeli shekel), INR (Indian rupee), JPY (Japanese yen), KES (Kenyan shilling), KRW (South Korean won), LKR (Sri Lankan rupee), MAD (Moroccan dirham), MXN (Mexican peso), MYR (Malaysian ringgit), NPR (Nepalese rupee), NOK (Norwegian krone), NZD (New Zealand dollar), PEN (Peruvian sol), PHP (Philippine peso), PKR (Pakistan rupee), PLN (Polish zloty), RON (Romanian leu), SEK (Swedish krona), SGD (Singapore dollar), THB (Thai baht), TRY (Turkish lira), UAH (Ukrainian hryvnia), VND (Vietnamese dong), ZAR (South African rand), ZMW (Zambian kwacha)

Most bad decisions begin with an assumption we forgot to question. Deep Simplicity Core helps you think from a different angle: What could go wrong? What am I missing? What would change my mind? Built for real life not just finance Core combines a personal AI conversation space with inversion, decision journals, document research, and practical tools that help you move from thinking to action. **INVERT THE PROBLEM** - Explore relationships, work, habits, money, learning, business, and everyday dilemmas. - Look for preventable mistakes and hidden assumptions before making a choice. - Separate what happened from what you think it means. - Consider trade-offs, contrary evidence, and a practical next step. **YOUR PRIVATE THINKING WORKSPACE** - Ask Oracle a question and continue with follow-ups. - Choose Beginner explanations or go deeper with Pro. - Reopen saved conversations and decision worksheets. - Use Invert It to record the goal, risks, evidence, and next action. - Revisit a decision later and note what actually happened. **RESEARCH WITH THE SOURCE NEARBY** - Import PDFs, scan documents, and access available company 10-K filings. - Explore summaries, business overviews, risk reviews, management analysis, and research memos. - Find relevant passages and keep your interpretation alongside the evidence. - Compare saved filings and organize notes for future reference. **NUMBERS YOU CAN CHECK** - Calculate cash runway, profit margins, growth, and cash flow from the inputs you provide. - Explore illustrative discounted cash flow and scenario analyses. - Use structured visuals to make complex trade-offs easier to examine. **MADE FOR THE WAY YOU THINK** - Local AI and native tools support many everyday tasks. - Optional online research tools are available when you choose to use them. - Keep conversations, reflections, and research organized on your device. - Enjoy flexible appearance settings, accessible layouts, and optional feedback sounds and haptics. Core is more than a place to ask questions. It is a place to challenge your first answer, check the evidence, and make a more considered decision. AI can make mistakes. Financial tools depend on your inputs, and some research features use external services. Verify important claims and make the final decision yourself.