Finance AI Index
Index Treasury and cash Cross-border payments › Wise Business vs Thunes
Cross-border payments and FX · September 2026 Edition

Wise Business vs Thunes

Four of twelve models named Wise Business first on the direct prompt; one named Thunes. Wise Business was named by twelve of the twelve models and Thunes by eight and Wise Business carries 54 labels and Thunes 13, so the shares are not directly comparable.

Wise Business

endorsed leader

Named in four categories this edition.

Thunes

accepted challenger

Named in one category this edition.

First-choice share35%2%Of first choices across the direct, paraphrase, budget and scale prompts, 0 to 100.
Negative rate11%0%Negative labels as a share of the product's labels, 0 to 100.
Rank in category#1#5A position in a field of 11; printed, not drawn.
Labels5413A count; the two differ.
The two percentage rows are drawn on one 0 to 100 track, Wise Business reading right to left. Rank and label count are printed, not drawn.Airwallex was named alongside these two in ten of the twelve direct answers. Wise Business vs Airwallex · Wise Business vs Corpay Cross-Border · Wise Business vs OFX

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all twelve models, for a mid-market B2B company; rank is within the category; every quote names the model and the prompt it came from. Both figures come from the Cross-border payments and FX page.

By framing

How many of the twelve models made each the first choice, per way of asking, and how many argued against it.
Wise BusinessFirst choices, of twelve modelsThunes
Direct41
Paraphrase002 against Wise Business
Comparative52
Budget-constrained110
Scale-constrained102 against Wise Business
Negative302 against Wise Business
Bars are first choices, 0 to 12 each sideModels that argued againstA model can name both, so the two sides of a row do not sum to twelve.

Across every category in the September 2026 Edition, Wise Business and Thunes were named in the same answer forty-three times, of the 261 answers naming Wise Business and the 54 naming Thunes. In those answers Thunes took the first choice seven times and Wise Business sixteen.

Every model, every framing

The seventy-two answers behind the chart above, one cell each: where Wise Business and Thunes stood in it.
ModelDirectParaphraseComparativeBudget-constrainedScale-constrainedNegative
Claude Haiku 4.5
GPT-5.4 mini
Gemini 3.5 Flash
Perplexity Sonar
Grok 4.1 Fast
Mistral Small
DeepSeek V4 Flash
Llama 4 Maverick
Qwen 3.7 Flash
Kimi K2
GLM 4.7 FlashX
MiniMax M2.5
Wise Business Thunes first choice named as an alternative argued againstblank: not namedEach cell is one answer, Wise Business on the left and Thunes on the right.

The direct prompt

The plain question, one answer per model, grouped by where Wise Business and Thunes stood in it.

Both were the first choice

1 of 12 modelsThe answer named them together, and the judge labeled each a first choice.
Mistral SmallThunes, Wise Business alternatives: Airwallex, Nium

Wise Business first, Thunes an alternative

3 of 12 modelsThunes was named in the answer but not as the choice, or not at all.
Claude Haiku 4.5Wise Business alternatives: Thunes, Tipalti
Grok 4.1 FastAirwallex, Wise Business alternatives: Nium, Rapyd, Stripe Treasury, Thunes, Tipalti
Qwen 3.7 FlashAirwallex, Wise Business alternatives: Currencycloud, Revolut Business

Neither was the first choice, one was named

7 of 12 modelsThe answer put something else first and named one of the two as an alternative.
GPT-5.4 miniAirwallex alternatives: Payoneer, Stripe, Wise Business
Gemini 3.5 FlashAirwallex alternatives: Convera, Corpay Cross-Border, Tipalti, TransferMate, Wise Business
Perplexity SonarAirwallex, Tipalti alternatives: Currencycloud, Payoneer, Stripe, Wise Business
DeepSeek V4 FlashAirwallex alternatives: Convera, OFX, Tipalti, Wise Business
Kimi K2Airwallex alternatives: Corpay Cross-Border, Tipalti, Wise Business
GLM 4.7 FlashXAirwallex alternatives: Banking Circle, Cedar Money, PhotonPay, Stripe, Thunes, Tipalti, Wise Business
MiniMax M2.5Airwallex alternatives: Stripe, Thunes, Wise Business

Neither was named

1 of 12 modelsThe answer made no first choice from these two in this category.
Llama 4 Maverickno first choice

Bold names in an answer are the products the judge labeled a first choice; a model naming several gives each of them that label. The full answer text for every row is in the record.

By buyer segment

The same question asked on behalf of a different buyer. Each standing is computed within its segment and they are never added together. The figures above are the mid-market standing, which is the one the category orders by.
Small business
Wise Business leads by seventy-three points.
Wise Business73%#1 of 8
Thunes0%#7 of 8
The full small business standing →
Mid-marketThe figures above
Wise Business leads by thirty-three points.
Wise Business35%#1 of 11
Thunes2%#5 of 11
The full mid-market standing →
Enterprise
The order flips: Thunes leads at enterprise.
Thunes22%#1 of 12
Wise Business14%#4 of 12
The full enterprise standing →

What the models said about Wise Business

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Four of four in this category shown.

“too large for simple consumer-grade tools (like personal Wise or PayPal)... Great for small-to-medium business... Good for lower volumes.” Qwen 3.7 Flash · scale prompt · soft negative
“Legitimate providers (like Wise, Western Union, or banks) usually allow this... stick to platforms that meet these criteria: Publicly Audited or Large Tech Backing: e.g., Wise” Qwen 3.7 Flash · negative prompt · first choice
“Two platforms stand out as the absolute best budget-friendly cross-border payment solutions for small-to-medium enterprises (SMEs): Wise Business and Airwallex.” Gemini 3.5 Flash · budget prompt · first choice
“Wise Business is generally considered the best choice for companies with limited budgets due to its transparency, competitive pricing, and no hidden fees.” MiniMax M2.5 · budget prompt · first choice

What the models said about Thunes

Every negative label with a quote, up to three, then the highest-weighted positives, up to three. Three of four in this category shown.

“Thunes: Best overall for global B2B payouts at scale, covering 140+ countries and 90 currencies.” Mistral Small · comparative prompt · first choice
“Thunes is considered the best overall for global B2B payouts” Mistral Small · direct prompt · first choice
“Thunes (Best for Enterprise & Infrastructure)” Qwen 3.7 Flash · comparative prompt · first choice
Also compared

Comparisons are drawn for the top eight products in each category, each against each. The output is the models' output; nothing here is a recommendation by the index.