Wise, the global technology company building the best way to move and manage the world's money, today announced an expansion of its US product offering, giving people and businesses two new ways to earn a return on the money they hold with Wise.The expansion introduces Wise Interest and Stocks, two new products available directly from customers' existing USD balance. Unlike traditional alternatives that require customers to move or lock away their money to earn a return, customers who opt in to these products keep instant access to their funds, meaning they can continue to send and spend from the same balance with no withdrawal penalties. Wise Interest and Stocks are offered by Wise US Assets Inc., a registered broker-dealer. Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Vinay Nilakantan, Head of Product for North America at Wise, said: "People and businesses around the world are keeping more money with Wise than ever. Global customer holdings grew 40% to $39 billion last financial year alone. Now, we want to offer Wise customers more ways to put that money to work, without compromising the convenience and flexibility they expect from us."In the US, earning a competitive return too often means locking your money away or juggling multiple accounts. But with Wise Interest and Stocks, people and businesses in the US no longer have to choose between making their money work harder and actually being able to use it. They have the freedom to do both."Introducing new ways for Wise customers to earn a returnWise Interest allows customers to earn a return on USD held with Wise through a money market fund holding government-backed assets. Customers' money remains instantly available to send and spend within the same balance, offering greater convenience and flexibility. Returns, which are not guaranteed, are calculated daily and paid into customers' accounts monthly, and over 90% of returns earned may also be exempt from state and local income taxes.For customers looking for potential longer-term returns, Stocks gives people and businesses a simple way to invest money held with Wise in an S&P 500 index fund. This lets them invest across a diverse range of leading US companies while keeping a high degree of liquidity. Investing involves risk, including possible loss of principal. Wise Interest seeks to preserve the value of an investment, but the investment value of Stocks will change with the market.Customers can start using either product directly from their existing USD balances by simply selecting Wise Interest or Stocks. In line with Wise's commitment to transparency and low costs, customers will see the fees associated with each product clearly before opting in.Expanding Wise's existing US product suiteThe launch comes as customers increasingly use Wise to hold more of their money and look for more ways to grow those funds. Income earned by US customers through Wise's existing Basic Interest offering, which allows customers in the US to receive interest on USD, GBP and EUR, increased by almost 17% year over year in FY26. Basic Interest is an opt-in feature that allows customers to earn interest on eligible balances held in a Wise account with Wise US Inc. Customer funds are held at Wise US Inc.'s program bank, which pays interest on those funds, and a portion of that interest is passed through to eligible customers.Wise Interest and Stocks build on the range of existing products already available to Wise personal and business customers in the US. Today, customers can hold and convert more than 40 currencies, get paid in nine currencies using local account details, send money internationally with 77% of payments arriving instantly (in under 20 seconds), and spend around the world with the Wise Multi-Currency Card.The launch of Wise Interest and Stocks marks the first time Wise has operationalized its US broker-dealer license, which it holds in all 50 states, to offer more tailored products to local customers.NoYesDigital banking11 Nov, 2026