电子钱包
${name}：出售加密货币后以${currency}收款
Wise 通过 IBAN 识别多币种账户并接收款项。该通道在我们这里处于测试阶段：它可用，但收取点差附加费，且不用于指数化。
- EUR
- 16 国家
- about 30 minutes
- No rail fee
- Beta
通道数据
所有这些值均来自本网站发布的目录，一旦我们自己的测量结果与之矛盾，便会立即重新发布。
- 技术性质
- 电子钱包付款计入钱包余额。将其转入您的银行是后续步骤，由您触发。
- 结算货币
- EUR — Euro如果这不是您的账户货币，您的银行将在到账时应用其自身的兑换。该费用不经过我们，也不会出现在我们的明细中。
- 结算延迟（p50 / p95）
- 30 min / 12 h中位数描述常见情况，p95描述缓慢情况。我们同时显示两者：仅显示中位数恰恰会隐藏您所担心的问题。
- 运营时间
- 全天候，包括周末和节假日无截止时间：订单全天候处理，包括夜间和节假日。
- 每笔操作的最低 – 最高限额
- €20.00 – €100,000属于通道的界限。超过上限的金额将拆分为多笔付款，固定费用也会相应成倍增加。
- 通道费用
- No rail fee在明细中单独列出，与网络成本和我们的点差并列。
- 覆盖范围
- 16 国家多国通道：行为在所有地方均相同，因此每种资产对应一个通道页面——按国家/地区划分的变体不会提供更多信息。
- 数据验证日期
- 2026-09-02该通道的延迟、限额和字段的最后一次人工审核日期。长时间未审核的数据是可疑数据，包括我们自己的数据。
此通道的实际运作方式
我们向您的 Wise 账户 IBAN 发送转账。因此，延迟取决于到达该账户所用的银行通道，加上 Wise 入账余额所需的时间。
Wise 欧元 IBAN 不一定位于您的居住国。这对转账不是问题，但持有人姓名必须与您的身份验证完全一致。
延迟的原因
此通道全天候处理订单：没有工作日和截止时间。中位数与p95（${p95}）之间的差距来自收款机构或运营商的可用性，而非清算窗口。
收款人所需详细信息
每个字段在输入时即进行验证，客户端和服务端规则相同。这可以防止大多数付款被拒绝。
| 字段 | 类型 | 必填 | 验证规则 | 原因 |
|---|---|---|---|---|
| 账户持有人姓名 | 文本 | 是 | 2 to 140 characters · 去除首尾空格 | 必须与您身份证件上验证的姓名完全一致。不一致将导致转账被拒绝。 |
| IBAN | IBAN | 是 | IBAN format: 2 country letters, 2 check digits, then the national identifier · upper-cased | 无空格。我们会在确认您的订单前验证校验和。 |
所示规则即为实际执行的规则：此表不存在与代码不同的“营销”版本。
您可出售给${rail}的${n}种资产
资产不会改变通道的工作方式：它改变的是付款发出前的确认时间以及适用的点差。
- Tether → WiseUSDTStablecoin: no volatility surcharge
- Bitcoin → WiseBTCVolatile asset: volatility surcharge applies
- Ethereum → WiseETHVolatile asset: volatility surcharge applies
- USD Coin → WiseUSDCStablecoin: no volatility surcharge
- Litecoin → WiseLTCVolatile asset: volatility surcharge applies
- Solana → WiseSOLVolatile asset: volatility surcharge applies
- XRP → WiseXRPVolatile asset: volatility surcharge applies
- Tron → WiseTRXVolatile asset: volatility surcharge applies
- BNB → WiseBNBVolatile asset: volatility surcharge applies
- Dogecoin → WiseDOGEVolatile asset: volatility surcharge applies
- Cardano → WiseADAVolatile asset: volatility surcharge applies
- Avalanche → WiseAVAXVolatile asset: volatility surcharge applies
- Stellar → WiseXLMVolatile asset: volatility surcharge applies
- Toncoin → WiseTONVolatile asset: volatility surcharge applies
- Bitcoin Cash → WiseBCHVolatile asset: volatility surcharge applies
- Dai → WiseDAIStablecoin: no volatility surcharge
- Polygon → WisePOLVolatile asset: volatility surcharge applies
- Chainlink → WiseLINKVolatile asset: volatility surcharge applies
关于${name}的常见问题
How fast does Wise credit my account?
about 30 minutes in half the cases, and up to 12 h in the slowest ones. This rail runs continuously, weekends and holidays included. These are market orders of magnitude, not a contractual commitment.
What are the minimum and maximum amounts on Wise?
Between €20.00 and €100,000 per operation, in Euro. These bounds belong to the rail itself. An amount above the cap is split into several payouts, which multiplies any fixed fee accordingly.
What does a Wise payout cost?
No rail fee for the rail itself. That amount appears as its own line in the breakdown, next to the network cost taken from your deposit and our spread. The lines sum to exactly the gap between the mid-market value and what you receive.
What do I need to provide to receive on Wise?
2 fields: Account holder name, IBAN. Every format is validated before the order is accepted, not at send time: a typo is flagged immediately, not three days later as a rejection.
Which assets can I sell to Wise?
18 assets are offered on this rail. The asset does not change how the rail works: it changes the confirmation time before the payout leaves, and the spread applied depending on whether the asset is stable or volatile.
Any pitfall to know about Wise?
A Wise euro IBAN is not necessarily domiciled in your country of residence. That is not a problem for the transfer, but the holder name must match your identity verification exactly.