Manera's Treasury flagship (FXWatch + CommodityWatch + CreditPulse + EarningsIntel + SentimentDNA) plugs directly into Wise Business so the FX hedging signal it generates can actually move money. No more dashboard whiplash between a treasury intelligence tool and a separate banking app.
MANERA_EXEC_ENABLED=true)| Layer | Method | Frequency |
|---|---|---|
| Auth | Personal API token (read-only) for balances + quotes; OAuth (read+write) for execution | Per-request |
| Polling | FXWatch polls /v1/profiles/<id>/balances every 15 min for cached drift detection | 15 min |
| Webhooks | Attempted, deferred — Wise UI rejected our domain validator. Polling covers 95 % of value at zero added infra | n/a |
| Quotes | Real POST /v3/quotes calls with mid-market rate locked for 30 s before execution | On-demand |
When FXWatch fires a "hedge USD→EUR" signal, the Treasury dashboard surfaces the Wise quote inline. One click previews the FX cost. A second click (manual approval, always — no auto-trade above $5K without the Metta channel pre-trade check) executes the transfer.
Q: Do I need to give Manera write access to my Wise account? No. The Treasury flagship works fine with read-only token (balances + quotes + counterparty info). Write access is only needed if you want one-click FX execution from the dashboard, and even then every trade above $5K hits Manera's Metta channel pre-trade check before it leaves your account.
Q: Why Wise instead of a chartered bank? Solo founders + 97 % margin SaaS rarely need a chartered bank for the first $1-3M ARR. Wise Business covers GST/QST receipts, customer payments in 22 currencies, SWIFT-only inbound for the long tail, and Wise Debit Card replaces personal credit cards on Anthropic / AWS / OpenAI subscriptions (saves ~2.5 % FX on every invoice). Re-evaluate when you hire your first employee, file SR&ED, or take on debt.
Q: How long does FX execution take? Wise quotes lock for 30 seconds. Execution is instant for major pairs (USD/EUR/GBP), 2-4 hours for SWIFT-only currencies (HUF, RON, BGN, MXN, INR, ZAR, TRY). The Treasury dashboard always surfaces the expected delivery time before you click execute.
Q: What's the FX margin Manera takes? Zero on top of Wise. You pay Wise's published rate (mid-market + their transparent fee, ~0.41 % for major pairs). Manera makes money on the Treasury subscription, not on your treasury volume — that alignment was deliberate.
Q: What about wallets like Revolut Business or Mercury? We picked Wise because of API maturity (REST + clean OpenAPI), 22-currency reach, and mid-market rates with no spread. Revolut and Mercury connections are on the roadmap if Mesh Tier customers vote for them — open an issue at /contact.
Manera + Wise is live today. Add your Wise Business API token to FXWatch (3-minute setup, OAuth or static token) and the Treasury flagship lights up within minutes. See setup at /treasury.