International money transfer platform Wise revealed its newest plan to retain user deposits. The UK-based company is expanding its product offering in the US to include new Wise Interest and Stocks, two new vehicles that enable users to earn a return on the funds they hold in the Wise platform.

Wise Interest invests customers’ USD balances in a BlackRock Treasury money market fund. The fund calculates returns daily and pays out interest monthly. Wise Stocks allows customers to invest their USD balances in an S&P 500 index fund to provide exposure to US equities. With both Wise Interest and Stocks, users maintain instant access to their funds and are able to transfer funds and use the funds for spending with no penalties. While Wise warns that the new products come with a risk of loss, it also notes that over 90% of returns earned may be exempt from state and local income taxes.

“In the US, earning a competitive return too often means locking your money away or juggling multiple accounts,” said Wise Head of Product for North America Vinay Nilakantan. “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.”

Wise has been paying interest on users’ balances since 2023, when it launched Basic Interest , a tool that pays eligible US customers interest through a partner-bank arrangement. The company’s users have made good use of that feature, increasing the interest income earned by almost 17% year over year in FY26.

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