Hurupay

Hurupay offers global banking services with multi-currency accounts (USD, EUR, GBP), virtual USD cards, and options for sending/receiving money internationally. They emphasize low fees and fast transfers, aligning with several 'must-have' features. While they mention 'no hidden fees' and 'low fees', they do not explicitly state using the 'mid-market exchange rate' for all transfers, which is a key differentiator for Wise. They also offer business accounts with features like batch payments, and have a mobile app and customer support. Their focus on stablecoins for some transactions is a deviation from the traditional fiat-based approach of Wise, but the core services are similar.