I have borrowed money from my friends and family in parts to pay for my supplies from China and in these 5 months nothing was wrong , every transaction went through in 5-10 minutes I have proper documentation , all of a sudden they just deactivated my account when the money was most need all in the name of “Compliance” and now I am stuck and one of those whose will market this negatively , at first I didn’t believe these negative reviews , but now i think wise is running a systematic scam . i.e pick and choose people randomly and keep Thier money in name of “due diligence” for months .