Wise on WhatsApp — incoming transfers, FX alerts, multi-currency balances, and batch payments
Wise (formerly TransferWise) is a global payments platform for multi-currency holdings, international transfers, and batch payouts — used by hundreds of thousands of businesses for cross-border cash flow. The LunoGen Wise integration uses the Wise Business API and webhooks so your AI agent can watch every transfer, alert on favorable FX rates, and execute batch payments directly from WhatsApp.
If you pay contractors in 7 countries, collect in 4 currencies, and watch EUR/USD every morning, Wise is already running your finances. The problem is that all of that lives in the Wise app and you're constantly switching contexts. LunoGen puts it in WhatsApp: incoming money pings you instantly, balances show up on request, FX alerts wake you when the rate hits your target, and batch payroll goes out with a single message.
In your Wise Business account go to Settings → API tokens → Add new token. Name it 'LunoGen Agent' and grant the full API scope for read + transfer creation. Copy the token.
For transfer-creation use cases, Wise requires Strong Customer Authentication using a key pair. LunoGen generates the key pair for you — download the public key and upload it in Wise Settings → Public keys.
In the LunoGen dashboard open Credentials → New → Wise and paste the API token. LunoGen verifies by calling /v1/profiles.
LunoGen can programmatically create a Wise webhook subscription for transfers#state-change and balances#credit. Click 'Install webhooks' on the integration page to set it up.
When a Wise balance is credited, the webhook fires and the agent formats the amount, sender, currency, and purpose reference, then posts the alert to your finance WhatsApp group within seconds.
Wise balance credited. Looking up the underlying transaction for sender info...
Ask the agent for your Wise balances anytime. It calls /v4/profiles/{id}/balances, sums all currency jars in both source and equivalent USD, and delivers a clean holdings report.
What's our current Wise balance across all currencies?
Pulling balances from /v4/profiles/{id}/balances...
Set a target rate on any currency pair. The agent polls the Wise rates endpoint every 15 minutes and pings your WhatsApp the moment the rate crosses your threshold — so you can convert at the right time.
Alert me when EUR/USD goes above 1.095 — I want to convert €30k once it does
Setting up a cron to poll /v1/rates?source=EUR&target=USD every 15 minutes with a threshold of 1.095...
Upload a payroll CSV. The agent parses it, validates recipients against Wise, creates a single bundled transfer, shows you the total cost and FX, and executes on your approval.
Here's the April contractor payroll CSV — run it through Wise when you've validated everything
Parsing payroll-april-2026.csv and validating recipients against /v1/accounts...
Set up a recurring cron that creates and executes a Wise transfer on a schedule — rent to a landlord in Lisbon, a retainer to a US accountant, a monthly top-up to an AUD savings jar.
Set up a monthly transfer: €1,800 to my Lisbon landlord (recipient: 'Rita Costa — Alfama apt') on the 1st of every month
Creating a recurring cron: '0 9 1 * *' → Wise transfer of EUR 1,800 to recipient 'Rita Costa — Alfama apt'
On the 1st of each month the agent pulls all transfers and balance movements for the prior month, groups them by currency and direction, and delivers a clean income/spend summary with total fees paid.
Pulling March transfers and balance activity via /v1/profiles/{id}/activities...
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Spin up an AI agent in under 2 minutes, plug in your Wise credentials, and start running your workflows from WhatsApp.