# Wise

```json
{
  "name": "Wise",
  "slug": "wise",
  "url": "https://composio.dev/toolkits/wise",
  "markdown_url": "https://composio.dev/toolkits/wise.md",
  "logo_url": "https://logos.composio.dev/api/wise",
  "categories": [
    "finance & accounting"
  ],
  "is_composio_managed": false,
  "updated_at": "2026-09-08T05:33:49.368Z"
}
```

![Wise logo](https://logos.composio.dev/api/wise)

## Description

Securely connect your AI agents and chatbots (Claude, ChatGPT, Cursor, etc) with Wise MCP or direct API to check balances, get currency quotes, create transfers, and manage recipients through natural language.

## Summary

Wise is an international money transfer and multi-currency account service for individuals and businesses.
It provides low-cost, multi-currency balances and real exchange rates for faster, cheaper transfers.

## Categories

- finance & accounting

## Toolkit Details

- Tools: 9

## Images

- Logo: https://logos.composio.dev/api/wise

## Authentication

- **Api Key**
  - Type: `api_key`
  - Description: Api Key authentication for Wise.
  - Setup:
    - Configure Api Key credentials for Wise.
    - Use the credentials when creating an auth config in Composio.

## Suggested Prompts

- Get live EUR to USD quotes
- List balances for my business profile
- Create transfer to saved recipient now

## Supported Tools

| Tool slug | Name | Description |
|---|---|---|
| `WISE_CREATE_QUOTE` | Create Quote | Create a transient Wise bank-transfer quote for a personal or business profile. The quote expires; this tool does not create or fund a transfer and does not move money. |
| `WISE_GET_EXCHANGE_RATE` | Get Exchange Rate | Get Wise's latest exchange rate for one source and target currency pair; this is an indicative rate, not a transfer quote. |
| `WISE_GET_QUOTE` | Get Quote | Retrieve a Wise quote by profile and quote ID, including its current status, pricing, payment options, and expiration. |
| `WISE_LIST_ACTIVITIES` | List Activities | List a Wise profile's account activity with optional status, resource-type, and time filters, one page at a time. |
| `WISE_LIST_BALANCES` | List Balances | List standard balances and savings jars for a Wise profile without creating, deleting, or moving funds between balances. |
| `WISE_LIST_CURRENCIES` | List Supported Currencies | List currencies Wise currently supports for transfers, including their ISO codes and decimal support. |
| `WISE_LIST_PROFILES` | List Profiles | List the connected Wise account's personal or business profiles and return the profile IDs required by profile-scoped tools. |
| `WISE_LIST_RECIPIENTS` | List Recipients | List Wise recipients for a profile, optionally filtering by active status, ownership, currency, or account type. Returns summary identity fields but excludes bank-account details; this tool cannot modify recipients. |
| `WISE_LIST_TRANSFERS` | List Transfers | List and filter existing Wise transfers for a profile, one page at a time; this tool cannot create, fund, or cancel transfers. |

## Supported Triggers

None listed.

## Installation and MCP Setup

### Path 1: SDK Installation

#### Path 1, Step 1: Install Composio

Install the Composio SDK
```python
pip install composio_openai
```

```typescript
npm install @composio/openai
```

#### Path 1, Step 2: Initialize Composio and Create Tool Router Session

Import and initialize Composio client, then create a Tool Router session
```python
from openai import OpenAI
from composio import Composio
from composio_openai import OpenAIResponsesProvider

composio = Composio(provider=OpenAIResponsesProvider())
openai = OpenAI()
session = composio.create(user_id='your-user-id')
```

```typescript
import OpenAI from 'openai';
import { Composio } from '@composio/core';
import { OpenAIResponsesProvider } from '@composio/openai';

const composio = new Composio({
  provider: new OpenAIResponsesProvider(),
});
const openai = new OpenAI({});
const session = await composio.create('your-user-id');
```

#### Path 1, Step 3: Execute Wise Tools via Tool Router with Your Agent

Get tools from Tool Router session and execute Wise actions with your Agent
```python
tools = session.tools
response = openai.responses.create(
  model='gpt-4.1',
  tools=tools,
  input=[{
    'role': 'user',
    'content': 'List all balances for my Business profile'
  }]
)
result = composio.provider.handle_tool_calls(
  response=response,
  user_id='your-user-id'
)
print(result)
```

```typescript
const tools = session.tools;
const response = await openai.responses.create({
  model: 'gpt-4.1',
  tools: tools,
  input: [{
    role: 'user',
    content: 'List all balances for my Business profile'
  }],
});
const result = await composio.provider.handleToolCalls(
  'your-user-id',
  response.output
);
console.log(result);
```

### Path 2: MCP Server Setup

#### Path 2, Step 1: Install Composio

Install the Composio SDK for Python or TypeScript
```python
pip install composio claude-agent-sdk
```

```typescript
npm install @composio/core ai @ai-sdk/openai @ai-sdk/mcp
```

#### Path 2, Step 2: Initialize Client and Create Tool Router Session

Import and initialize the Composio client, then create a Tool Router session for Wise
```python
from composio import Composio
from claude_agent_sdk import ClaudeSDKClient, ClaudeAgentOptions

composio = Composio(api_key='your-composio-api-key')
session = composio.create(user_id='your-user-id')
url = session.mcp.url
```

```typescript
import { Composio } from '@composio/core';

const composio = new Composio({ apiKey: 'your-api-key' });
const session = await composio.create('your-user-id');
console.log(`Tool Router session created: ${session.mcp.url}`);
```

#### Path 2, Step 3: Connect to AI Agent

Use the MCP server with your AI agent (Anthropic Claude or Mastra)
```python
import asyncio

options = ClaudeAgentOptions(
    permission_mode='bypassPermissions',
    mcp_servers={
        'tool_router': {
            'type': 'http',
            'url': url,
            'headers': {
                'x-api-key': 'your-composio-api-key'
            }
        }
    },
    system_prompt='You are a helpful assistant with access to Wise tools.',
    max_turns=10
)

async def main():
    async with ClaudeSDKClient(options=options) as client:
        await client.query('Get current EUR to USD quote and list business balances')
        async for message in client.receive_response():
            if hasattr(message, 'content'):
                for block in message.content:
                    if hasattr(block, 'text'):
                        print(block.text)

asyncio.run(main())
```

```typescript
import { openai } from '@ai-sdk/openai';
import { experimental_createMCPClient as createMCPClient } from '@ai-sdk/mcp';
import { generateText } from 'ai';

const client = await createMCPClient({
  transport: {
    type: 'http',
    url: session.mcp.url,
    headers: {
      'x-api-key': 'your-composio-api-key',
    },
  },
});

const tools = await client.tools();
const { text } = await generateText({
  model: openai('gpt-4o'),
  tools,
  messages: [{
    role: 'user',
    content: 'Get current EUR to USD quote and list business balances'
  }],
  maxSteps: 5,
});

console.log(`Agent: ${text}`);
```

## Why Use Composio?

### 1. AI Native Wise Integration

- Supports both Wise MCP and direct API based integrations
- Structured, LLM-friendly schemas for reliable tool execution
- Rich coverage for reading, writing, and querying your Wise data

### 2. Managed Auth

- Built-in OAuth handling with automatic token refresh and rotation
- Central place to manage, scope, and revoke Wise access
- Per user and per environment credentials instead of hard-coded keys

### 3. Agent Optimized Design

- Tools are tuned using real error and success rates to improve reliability over time
- Comprehensive execution logs so you always know what ran, when, and on whose behalf

### 4. Enterprise Grade Security

- Fine-grained RBAC so you control which agents and users can access Wise
- Scoped, least privilege access to Wise resources
- Full audit trail of agent actions to support review and compliance

## Use Wise with any AI Agent Framework

Choose a framework you want to connect Wise with:

- [ChatGPT Work](https://composio.dev/toolkits/wise/framework/chatgpt)
- [Claude Cowork](https://composio.dev/toolkits/wise/framework/claude-cowork)
- [Hermes](https://composio.dev/toolkits/wise/framework/hermes-agent)

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## Frequently Asked Questions

### Do I need my own developer credentials to use Wise with Composio?

Yes, Wise requires you to configure your own API key credentials. Once set up, Composio handles secure credential storage and API request handling for you.

### Can I use multiple toolkits together?

Yes! Composio's Tool Router enables agents to use multiple toolkits. [Learn more](https://docs.composio.dev/tool-router/overview).

### Is Composio secure?

Composio is SOC 2 and ISO 27001 compliant with all data encrypted in transit and at rest. [Learn more](https://trust.composio.dev).

### What if the API changes?

Composio maintains and updates all toolkit integrations automatically, so your agents always work with the latest API versions.

---
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