Xoom

Xoom, a PayPal service, is an online platform for international money transfers. It allows users to send money to bank accounts, debit cards, mobile wallets, or for cash pickup in various countries, and also offers mobile phone reloads and bill payment services in select regions.

Xoom is a money transfer service that emphasizes fast, secure, and transparent transfers with upfront fees. It offers a mobile app and customer support, and highlights its security measures and regulatory compliance. However, it does not explicitly mention mid-market exchange rates, multi-currency accounts, or borderless debit cards, which are core features of Wise. While it states 'save on money transfer fees' and 'Up front fees and rates', it doesn't guarantee the mid-market rate. It focuses on sending money to bank accounts, debit cards, mobile wallets, or for cash pickup, rather than offering a multi-currency account for holding funds.