Wise正加深其在菲律宾的布局，旨在把握强劲的汇款服务需求，同时降低菲律宾消费者跨境转账的成本。

菲律宾长期位列全球最大的汇款接收国之一，其资金流入主要由数百万海外菲律宾劳工，以及越来越多从外国客户获得收入的自由职业者和数字经济参与者支撑。

Wise Philippines（Wise Pilipinas, Inc.）Country Manager Areson I. Cuevas在周四的一场媒体简报会上阐述了公司未来几年的发展方向。

“Personally, what I would like to have in the next three years is for more Filipinos to be familiar with the power of the Wise account — that they don't need to receive in their other accounts, that they can receive it straight to their Wise account in the currency that they want,” Mr. Cuevas said.

根据内部数据，他指出，2024年菲律宾的个人和企业合计因外汇加价损失估计达P50 billion。尽管这一数字相当可观，但只有21%的菲律宾人知道，他们的汇款会被收取隐藏加价。

“It's really more of the awareness that we have struggled with,” Mr. Cuevas said, adding that the estimated loss is “more or less uniform across markets.”

“The average cost to move money across borders is 3% to 5%. So, that is how we computed the losses. In Wise, it's 0.5%. That's potential money that can be plowed back into the economy if people just knew about it,” he explained.

“So, the market is very big. And of course, the goal of Wise is to be able to ensure that the transparency ethics markup is being shared with our customers so that it's actually a $35-billion market in terms of remittances.”

为弥补认知缺口，Wise菲律宾正与监管机构、行业参与者以及终端用户沟通，以提升公众对汇款成本的认识。

“That has been the biggest challenge, and we are having these talks with the regulators, with more industry participants, with actual freelancers, to make sure that the message comes across… They have to make sure that they know what they are paying for, and that so that they can compare among different providers,” Mr. Cuevas said.

他还指出，菲律宾人对便捷跨境转账的需求正在上升。“Normally, what I would do is I would wait for my family member to just come back to the Philippines, and I would pay because there's no easy way to move money. So, we're able to solve that by having this multi-currency account that can really span across different countries.”

作为增长战略的一部分，公司已将菲律宾身份证明系统（PhilSys）ID整合进用户开户注册流程。Cuevas称，40%–50%的菲律宾用户已通过该国家身份证注册。

“We are seeing that more and more customers are becoming familiar with PhilSys ID. What they do is they print their ID on bond paper or even their QR, and that is acceptable to us,” he said.

Wise菲律宾也正在与Bangko Sentral ng Pilipinas（BSP）就其转账费用进行讨论，以理顺收费结构。此前，监管机构最新发布的通告要求金融机构为个人对个人转账设定公平且基于市场的收费。该通告也是BSP推动现代化该国数字支付基础设施并提升金融交易透明度的更广泛举措之一。

“If you're looking at circular, it actually does not require FIs to put their fees to zero. It allows FIs to have their fees at cost, [which is] whatever cost they need to recover to be able to move that money. So, what we are ensuring to our customers is whatever fee you see on the app is the actual cost of moving those funds domestically and whatever margin you see.”

公司还在寻求与银行和非银行机构合作，包括电子钱包，以进一步降低平台费用。

“In the Philippines, we still don't have any non-financial institutions, but globally we have the likes of travel companies and stockbrokers,” Mr. Cuevas noted. “We want to bring costs down as low as possible. We are slowly doing that by having more direct connections globally.”

在需求方面，Cuevas表示，由于菲律宾比索近期走弱，菲律宾人正越来越多地在Wise账户中持有外币。

“We see that more and more Filipinos are putting more money in their Wise account because they see that, unfortunately, the peso has been depreciating. We see that more and more Filipinos keep in foreign currency, and they convert to peso when they actually need it, not when they receive it. You convert when you see that the rate is favorable, and when you have actual need of the Philippine peso.” — A.M.C. Sy