TorFX

TorFX offers international money transfers for both personal and business clients, emphasizing excellent exchange rates and no transfer fees, which aligns with 'transparent-low-fees'. They highlight '24/7 Transfers' and 'swift, secure currency transfers', indicating 'fast-transfer-execution'. While they don't explicitly state 'mid-market-exchange-rate-transfers', they claim 'excellent rates' and compare themselves favorably to banks, suggesting a competitive rate structure. They offer a mobile app and API integration for businesses. However, they do not appear to offer a multi-currency account or a borderless debit card, which are key 'must-have' features for Wise. The focus is more on brokered transfers rather than a multi-currency account platform.