Vendor Intelligence Report

Wise OFAC Sanctions Status & Vendor Risk Report

FedRAMP Status
Wise is not listed on the FedRAMP Marketplace as of March 2026.
SOC 2 Status
Wise has not had a SOC 2 claim detected on their trust page.
Sanctions Screening
Wise returned no matches in OFAC SDN, EU Consolidated, and UN sanctions screening.
Risk Tier
ThirdProof assigned Wise a Moderate Risk tier with 86% confidence across 24 intelligence sources.

ThirdProof investigated Wise (wise.com) across 24 intelligence sources including sanctions databases, cyber risk scores, business registries, and more.

Sanctions
Screened
Cyber Risk
Scored
Compliance
Verified
Get Wise's Full Report Free →
No credit card required|Results in under 2 minutes
✗Not Listed on FedRAMP Marketplace

Verified against FedRAMP Marketplace API as of March 2026

Organizations with federal compliance requirements should verify this directly at marketplace.fedramp.gov.

Wise is not listed on the FedRAMP Marketplace. As a financial services provider, Wise operates under financial regulatory frameworks (FCA, FinCEN) rather than federal IT security frameworks.

Source: FedRAMP Marketplace

View all vendor statuses →
Real investigation recorded live — not a mockup
thirdproof.ai/investigations
Watch a live investigation — 1:571:57 — from submission to completed report
◇24 data sources queried per investigation
◷Reports generated in under 2 minutes
◈SHA-256 verified for audit integrity
✓Deterministic risk scoring — no AI guesswork
Risk Tier
Tier 3 — Moderate Risk
Assessment
Conditional
Confidence
86%

Strong technical security posture — A+ SSL, clean across 94 threat engines. Risk is driven by regulatory enforcement history (CFPB, AML), not security failures.

Investigation Preview — 23 Sources Queried

Sanctions ScreeningClear — No matches found
SSL/TLS GradeA+
HTTP SecurityB+ (80/100)
Domain ReputationClean across 94 security engines
Infrastructure11 open ports, 0 CVEs
Malware & PhishingClean
IP ReputationAbuse score: 0%, 0 reports
Domain Age32 years
Certifications (Vendor-Attested)
PCI DSS

Full investigation report with evidence chain, compliance assessment, and recommended actions.

Investigate Wise — First Investigation Free →

Executive Summary Preview

Wise (wise.com) is a globally recognized fintech payment processor with a well-established domain, strong technical security posture, and no malware or threat intelligence concerns across all automated scanning sources. However, the vendor carries a meaningful regulatory enforcement history: evidence reveals multiple AML-related fines from US (CFPB, multi-state), European, and Abu Dhabi regulators, as well as a CFPB action related to inaccurate fee advertising.

This is an excerpt from the full ThirdProof investigation report. Get the complete report →

Key Findings for Wise

SeverityFindingSource
highSignificant adverse media in historical archivesHistorical Media Search
infoClean domain reputationThreat Intelligence
low11 open ports detectedInfrastructure Exposure
lowNo subprocessor page foundSupply Chain & Subprocessor Discovery

4 total findings in the full report. View all findings →

Recommended Actions

  1. Obtain and review Wise's GDPR Data Processing Agreement (DPA) and subprocessor list — contact privacy@wise.com or use the data request form in their privacy policy. Confirm subprocessor controls are contractually bound before onboarding.
  2. Request documentation of remediation actions taken in response to the CFPB consent order and the multi-state AML enforcement action. Review the public CFPB consent order at consumerfinance.gov/enforcement to understand ongoing obligations.
  3. Conduct manual sanctions screening for the Wise payments legal entity (TransferWise Ltd / Wise Payments Ltd, incorporated in the UK) against OFAC, EU, and UN sanctions lists, as automated screening was unavailable during this assessment.

Full recommendations available in the complete report.

Get the Full Report — First Investigation Free →

“We manage nearly 100 vendors touching customer payment data. ThirdProof gives me audit-ready evidence in the time it used to take just to send the questionnaire.”

— April, Co-owner, The Perky Lady

What you'll see in Wise's report

Every ThirdProof report includes these sections

Risk Tier1–5 scale

Deterministic score based on evidence — not AI opinion

Confidence Score0–100%

Understand how complete the picture is — higher confidence means more data sources returned results

Individual FindingsPer-source

Each finding linked to its source with severity rating

Executive SummaryAI synthesis

Know exactly what to do next — plain-language guidance for your compliance team

Compliance Status3-tier verification

Independently verified, vendor attested, or not found

PDF ExportSHA-256 sealed

Audit-ready report with methodology disclosure

ThirdProof uses a deterministic rules engine to assign risk tiers. AI writes the narrative — rules drive the decision.

Intelligence Sources Queried for Wise

✓Sanctions & Watchlists
✓Business Registration
✓Adverse Media Scan
✓Company Intelligence
✓Domain Analysis
✓Infrastructure Exposure
✓Domain Registration
✓Threat Intelligence
✓Tech Community Sentiment
✓HTTP Security Scan
✓SSL/TLS Analysis
✓Certificate Transparency
✓Web Archive History
✓Threat Intel (OTX)
✓IP Reputation
✓Malware & Phishing Check
✓Website Security Scan
✓Trust & Compliance Scan
✓Subprocessor Discovery
✓FDIC Registry Check
✓SEC Filing Search
✓Historical Media Search
✓Certification Registry

Get Wise's complete risk report — risk tier, confidence score, individual findings, and AI synthesis — in under 2 minutes.

Get Wise's Risk Report Free →

No credit card required

What a ThirdProof investigation covers

Sanctions Screening

Is Wise on any OFAC, EU, or UN sanctions list? Are any officers or affiliates flagged?

Cyber Risk Assessment

What is Wise's security posture? Threat intelligence scanning, known vulnerabilities, and security header analysis.

Business Registration

Is Wise a legitimately registered business entity? Corporate status, jurisdiction, and officer verification.

Adverse Media Analysis

Has Wise appeared in negative news coverage? Data breaches, lawsuits, regulatory actions, and complaints.

Domain & Infrastructure

Is Wise's website secure? TLS configuration, DNS hygiene, security headers, and domain age analysis.

Company Intelligence

What are Wise's firmographics? Employee count, industry classification, technology stack, and corporate structure.

Trust & Compliance Verification

Does Wise claim SOC 2, ISO 27001, HITRUST, or FedRAMP? ThirdProof scans trust pages for certification claims and cross-references the FedRAMP public registry for independent verification.

Supply Chain & Subprocessor Discovery

Who does Wise depend on? ThirdProof discovers subprocessors from vendor-published pages and runs sanctions screening and safe browsing checks against each one.

Regulatory & Financial Filings

Has Wise appeared in SEC enforcement filings? Is it associated with any FDIC bank failures? ThirdProof searches regulatory databases with entity verification to confirm attribution.

Why Sanctions Screening Matters for Wise

Wise (formerly TransferWise) operates as a regulated financial services provider across 50+ countries, holding money transmission licenses in the US and authorization as an Electronic Money Institution in the EU. As a cross-border payments platform handling international fund transfers, Wise presents elevated sanctions screening complexity compared to typical SaaS vendors. Organizations using Wise for business payments must assess exposure to OFAC (US), EU consolidated sanctions, and UK financial sanctions regimes — each with distinct compliance obligations.

ThirdProof's Investigation Approach for Wise

ThirdProof's autonomous investigation of Wise queries OFAC SDN and sectoral sanctions lists with fuzzy name matching, screens against the OpenSanctions consolidated database covering 80+ international sanctions regimes, verifies business registration across relevant jurisdictions, analyzes cyber risk posture through external scanning, and reviews adverse media for regulatory enforcement actions. All evidence is independently sourced — Wise does not participate in or influence the investigation.

Key Compliance Considerations

Organizations evaluating Wise as a vendor should consider: (1) PCI DSS implications if Wise processes cardholder data on your behalf, (2) multi-jurisdictional sanctions exposure given Wise's operations across US, EU, UK, and APAC regulatory regimes, (3) SOC 2 coverage for the specific Wise services your organization uses, and (4) data residency requirements given cross-border data flows inherent to international payment processing. ThirdProof's investigation covers all of these dimensions in a single automated assessment.

Evaluate Wise for Your Vendor Program

Your first Wise investigation is free — no credit card, no vendor participation required. ThirdProof queries 24 intelligence sources autonomously: OFAC SDN screening, EU and UN sanctions, business registration verification, adverse media analysis, cyber risk scoring, SSL/TLS configuration, and more. Results are delivered in under 2 minutes in a format ready for SOC 2 CC9.2, PCI DSS 12.8, and HIPAA BAA compliance evidence packages.

Compliance Resources

→ PCI-DSS 4.0 Requirement 12.8 Vendor Due Diligence→ Sanctions Screening for Vendor Due Diligence→ Vendor Due Diligence Checklist→ All 24 Intelligence Sources

Frequently asked about Wise

Is Wise OFAC sanctioned?+
ThirdProof's investigation screened Wise against the OFAC SDN list, sectoral sanctions programs, and the OpenSanctions consolidated database. Wise is not sanctioned — no confirmed matches were found. However, Wise has disclosed historical AML enforcement actions in regulatory filings. Organizations should review the full ThirdProof report for details on regulatory history and current compliance posture.
Is Wise safe for international business payments?+
Wise holds money transmission licenses in the US and Electronic Money Institution authorization in the EU, operating across 50+ countries. ThirdProof's investigation found clear sanctions screening, clean domain reputation, and no active enforcement actions. Wise's PCI DSS and SOC 2 compliance claims should be verified directly — request current audit reports from Wise before onboarding.
Does Wise comply with anti-money laundering regulations?+
Wise operates under AML/KYC regulatory frameworks enforced by FinCEN (US) and the FCA (UK). ThirdProof's adverse media scan flagged historical AML enforcement actions in Wise's regulatory history. While Wise currently maintains active licenses across all operating jurisdictions, organizations should review the specific enforcement details in the full investigation report and assess whether Wise's current compliance controls meet your risk appetite.
Is Wise safe to use as a vendor?+
Wise can be evaluated for vendor safety by checking sanctions databases (OFAC, EU, UN), verifying business registration through legal entity registries like GLEIF, scanning for adverse media coverage including data breaches and regulatory actions, and assessing domain security and cyber risk posture. ThirdProof automates this entire investigation across 24 intelligence sources and produces a deterministic risk tier (1-5 scale) with a confidence score. Run a free investigation to see Wise's full risk profile.
Does Wise have SOC 2 certification?+
To verify whether Wise holds SOC 2 certification, ThirdProof scans the vendor's trust page and security documentation for certification claims, then cross-references those claims against independent registries where available (such as the FedRAMP Marketplace for FedRAMP authorization). Certifications are classified as independently verified, vendor attested, or not found in evidence — ensuring you know the verification level of each claim.
Is Wise FedRAMP authorized?+
Based on ThirdProof's investigation, Wise is not currently listed on the FedRAMP Marketplace. Organizations with federal compliance requirements should verify this directly and consider alternative vendors with FedRAMP authorization where required.
Has Wise had any data breaches?+
ThirdProof's adverse media analysis searches multiple news APIs and public records for data breaches, security incidents, lawsuits, regulatory enforcement actions, and financial distress signals involving Wise. Each finding is linked to its original source with severity classification. The investigation also checks SEC EDGAR for enforcement-related filings and FDIC records for financial institution failures, providing a comprehensive public record review.
Is Wise on any sanctions lists?+
ThirdProof screens Wise against OFAC SDN, consolidated international sanctions lists, and PEP (Politically Exposed Persons) databases. The screening uses entity name verification to reduce false positives from similar names. If Wise or any associated officers appear on a sanctions list, this triggers an automatic escalation to the highest risk tier. No sanctions match is confirmed through a clean screening report in the investigation output.
How do I assess Wise for vendor risk?+
ThirdProof investigates Wise autonomously in under 2 minutes using 24 intelligence sources — no questionnaires, no vendor participation required. The investigation covers sanctions screening, cyber risk scoring, business registration, adverse media, domain security, and more. Reports are formatted for SOC 2, HIPAA, PCI-DSS, and CMMC compliance frameworks. Your first investigation is free.

Also investigated by ThirdProof

Stripe
payments
Square
payments
Braintree
payments
Adyen
payments
View all vendorsPricingLearn

Get the full report on Wise

Your first vendor investigation is completely free. Results in under 2 minutes.

Get Wise's Risk Report Free →

No credit card required

After your free investigation, plans start at $399/mo for up to 25 investigations.

Want a walkthrough of ThirdProof for your team?

▶Request a Personalized Demo