--- title: Wise Clone Features - Complete Money-Transfer Platform Breakdown | Miracuves description:   Home/Wise Clone/FeaturesWise Clone · Features Wise Clone Features: Complete Money-Transfer Breakdown A production-ready cross-border money-transfer url: https://miracuves.com/wise-clone/features date_modified: 2026-07-23 author: miracuves language: en_US --- Wise Clone Features — Complete Money-Transfer Platform Breakdown | Miracuves .mcv-wsf{ --crimson:#e8344f; --crimson-deep:#a70d2a; --crimson-hot:#d81b46; --crimson-light:#ff8090; --amber:#fbbf24; --black:#0a0a0a; --white:#ffffff; --paper:#faf8f8; --ink:#191419; --ink-dim:#6d666d; --line:rgba(11,11,16,0.1); --line-light:rgba(255,255,255,0.12); --card-bg:rgba(8,3,8,0.82); --card-bg-hover:rgba(15,5,12,0.9); font-family:'Plus Jakarta Sans',Arial,sans-serif; color:var(--ink); background:var(--white); margin:0; padding:0; } .mcv-wsf *{ box-sizing:border-box; } .mcv-wsf h1,.mcv-wsf h2,.mcv-wsf h3{ font-family:'Plus Jakarta Sans',Arial,sans-serif; 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} .mcv-wsf-faq .a{ color:var(--ink-dim); font-size:13.5px; margin-top:10px; line-height:1.65; } .mcv-wsf-cta{ background:linear-gradient(120deg,var(--crimson),#6e0e1f); color:#fff; padding:64px 0; position:relative; overflow:hidden; } .mcv-wsf-cta .ring{ position:absolute; border:2px solid rgba(255,255,255,.14); border-radius:50%; width:360px; height:360px; top:-140px; right:-100px; } .mcv-wsf-cta .flex{ display:flex; justify-content:space-between; align-items:center; gap:28px; flex-wrap:wrap; position:relative; z-index:2; } .mcv-wsf-cta h2{ color:#fff; font-size:clamp(20px,2.6vw,28px); margin-bottom:8px; } .mcv-wsf-cta p{ color:rgba(255,255,255,.82); margin:0; max-width:460px; } .mcv-wsf-cta a.mcv-wsf-btn-outline{ border-color:#fff; } .mcv-wsf-cta a.mcv-wsf-btn{ background:#fff; box-shadow:0 10px 30px rgba(0,0,0,.2); } .mcv-wsf-cta a.mcv-wsf-btn,.mcv-wsf-cta a.mcv-wsf-btn:hover{ color:var(--crimson-deep); } .mcv-wsf-explore{ display:flex; flex-wrap:wrap; gap:10px; justify-content:center; } .mcv-wsf a.mcv-wsf-pill{ font-family:'JetBrains Mono',monospace; font-size:12.5px; font-weight:600; padding:10px 18px; border-radius:100px; border:1px solid var(--line); color:var(--ink); background:#fff; transition:all .2s; } .mcv-wsf a.mcv-wsf-pill:hover{ border-color:var(--crimson); color:var(--crimson); text-decoration:none; } .mcv-wsf a.mcv-wsf-pill.cur{ background:var(--ink); color:#fff; border-color:var(--ink); } .mcv-wsf-finalcta{ background:var(--black); color:#fff; text-align:center; padding:96px 24px 64px; position:relative; overflow:hidden; } .mcv-wsf-finalcta .ring{ position:absolute; border:1.5px solid rgba(232,52,79,.16); border-radius:50%; } .mcv-wsf-finalcta .ring1{ width:480px; height:480px; top:-220px; left:-160px; } .mcv-wsf-finalcta .ring2{ width:300px; height:300px; bottom:-180px; right:-90px; } .mcv-wsf-finalcta .card{ background:var(--card-bg); backdrop-filter:blur(26px) saturate(140%); -webkit-backdrop-filter:blur(26px) saturate(140%); border:1px solid var(--line-light); border-radius:24px; padding:56px 40px; max-width:720px; margin:0 auto; position:relative; z-index:2; } .mcv-wsf-finalcta h2{ color:#fff; font-size:clamp(24px,3.2vw,34px); max-width:640px; margin:0 auto 14px; } .mcv-wsf-finalcta p.sub{ color:rgba(255,255,255,.7); max-width:520px; margin:0 auto 30px; } .mcv-wsf-footerbar{ max-width:1180px; margin:56px auto 0; padding-top:28px; border-top:1px solid var(--line-light); position:relative; z-index:2; } .mcv-wsf-byline{ display:flex; flex-wrap:wrap; gap:6px 14px; align-items:center; font-family:'JetBrains Mono',monospace; font-size:11.5px; color:rgba(255,255,255,.4); border-bottom:1px solid rgba(255,255,255,.12); padding-bottom:16px; margin-bottom:12px; } .mcv-wsf-byline strong{ color:#fff; font-weight:600; } .mcv-wsf-byline .dotsep{ opacity:.4; } .mcv-wsf-footermeta{ display:flex; flex-wrap:wrap; justify-content:space-between; gap:12px; font-family:'JetBrains Mono',monospace; font-size:11px; color:rgba(255,255,255,.4); } @media (max-width:900px){ .mcv-wsf-herogrid{ grid-template-columns:1fr; } .mcv-wsf-statbar .inner{ grid-template-columns:repeat(2,1fr); gap:18px 0; } .mcv-wsf-statbar .stat:nth-child(2){ border-right:none; } .mcv-wsf-rolegrid{ grid-template-columns:1fr; } .mcv-wsf-faqgrid{ grid-template-columns:1fr; } .mcv-wsf-hero h1{ font-size:27px; } .mcv-wsf-cta .flex{ flex-direction:column; align-items:flex-start; } .mcv-wsf-cardstack{ height:260px; } .mcv-wsf-fincard{ width:250px; height:150px; } } @media (prefers-reduced-motion: reduce){ .mcv-wsf *{ animation:none !important; transition:none !important; } } @media print{ .mcv-wsf-hero,.mcv-wsf-cta,.mcv-wsf-finalcta{ background:#fff !important; color:#000 !important; } } [Home](/)/[Wise Clone](/wise-clone/)/Features Wise Clone · Features # Wise Clone Features: Complete Money-Transfer Breakdown A production-ready cross-border money-transfer platform needs more than a send button. Here's every capability that ships with the Miracuves Wise Clone — multi-currency accounts, mid-market-rate transfers, cards, and business tools — organized by who uses it. [Request a Live Demo →](/wise-clone/)[See Pricing](/wise-clone/development-cost/) **40+** currencies to hold **175+** countries for card use **6 days** to launch Feeunder 1% MIRACUVES•••• •••• •••• 4471 MIRACUVES•••• •••• •••• 882340+ currencies KYC/AMLPre-integrated 40+Currencies to Hold & Manage 175+Countries for Card Use <1%Typical Transfer Fee (vs 3–6%) 6 DaysTime to Launch By Role ## Feature Set by Role Every capability grouped by who actually touches it. P ### Personal App - Multi-currency accounts (hold & manage 40+ currencies) - Low-fee transfers at the mid-market rate - Fast delivery — many transfers arrive within minutes - Debit card for global spending across 175+ countries - Local bank details in 10+ countries - Freeze / unfreeze the card in one tap - Real-time currency & rate alerts - Full transfer history & recipient management B ### Business & Freelancer App - Business multi-currency accounts - Batch payments — up to 1,000 recipients at once - Xero & QuickBooks accounting integration - Multi-user access with role permissions - Invoicing & billing - Local bank details to get paid like a local - Transaction analytics & reporting - API / payment-gateway integration A ### Admin Panel - User & account management - Real-time transaction monitoring - FX rate-margin & transfer-limit controls - KYC / AML compliance controls - Financial reporting - Dispute handling - 2FA & device verification oversight - Role-based access systems Compare ## Original Wise vs. Miracuves Clone vs. Custom Build The same capability, three different paths to get it. | Capability | Original Wise | Miracuves Clone | Custom Build from Scratch | | --- | --- | --- | --- | | Multi-currency accounts & FX | Yes — proprietary infrastructure | Yes — pre-integrated, 40+ currencies | Requires banking/FX integration work, months | | Mid-market-rate, low-fee transfers | Yes — under 1% typical | Yes — live rate engine, configurable margin | Custom FX-rate engine, several weeks | | Multi-rail payouts (SWIFT/ACH/SEPA/local) | Yes | Yes, included | Each rail integrated separately | | KYC/AML compliance tooling | Yes | Yes, compliance-ready out of the box | Requires dedicated compliance engineering | | Debit card & business/batch payments | Yes | Yes, included | Card issuer + accounting integrations separately | | Source code ownership | N/A | Full ownership, included | Full ownership (you're building it) | | Price | N/A | $12,999 | $40,000 – $200,000+ | | Time to launch | N/A | 6 days | 4–12+ months typical | Custom-build range aligned to the market comparison used consistently on the Development Cost and Development Company pages. ## The Technology Behind the Features Node.js backend, React web interface, Flutter mobile apps, MySQL/PostgreSQL databases, Redis caching, and Firebase notifications — with BaaS and payment-gateway integrations pre-wired. It's not something you configure from zero. Development Company ### See how Miracuves compares to agencies and freelancers Real deployment process, delivery timeline, and what to check before you hire — on the Development Company page. [See the comparison →](/wise-clone/development-company/) FAQ ## Frequently Asked Questions What's included in the standard feature set? Everything listed above across the personal, business, and admin surfaces — multi-currency accounts, mid-market-rate transfers, card issuance, local bank details, batch payments, KYC/compliance tooling, and analytics all ship together, not as separate add-ons. How many currencies does the clone support? 40+ currencies can be held and managed out of the box, with the debit card usable in 175+ countries, through the pre-integrated FX and multi-currency account infrastructure. Is business/freelancer functionality included by default? Yes — batch payments (up to 1,000 recipients at once), Xero & QuickBooks integration, multi-user access, invoicing, and local bank details are part of the standard package described here. Does it include crypto or stock trading? No — Wise is a multi-currency money-transfer and account platform, and this clone mirrors that: multi-currency accounts, transfers, cards, and business payments. Crypto/stock trading is a different product model and is not part of the standard package. If you need it, it's custom scope — confirm with the team. ## See exactly what you're getting — before you commit Request a working demo of the full feature set, or check exact pricing. [See Pricing](/wise-clone/development-cost/)[Full Overview](/wise-clone/) Explore ## Explore the Wise Clone [Overview](/wise-clone/) [Features](/wise-clone/features/) [Development Cost](/wise-clone/development-cost/) [Development Company](/wise-clone/development-company/) [Business Model](/wise-clone/business-model/) ## Ready to build your own money-transfer platform? Launch in 6 days with every feature above included, full source code ownership. [Talk to Us →](/wise-clone/) **Written by the Miracuves Product Team**· Reviewed for accuracy· Last updated **July 20, 2026** Miracuves · Wise Clone Solution Sources: feature set & stats from the Wise Features content brief (40+ currencies, 175+ countries, <1% fee, 10+ local bank details, batch payments, Xero/QuickBooks)