Wise

Wise is an international account that allows users to send and receive money across borders with low fees and at the mid-market exchange rate. It offers multi-currency accounts and a debit card for international spending. Wise also provides API integration and business account features.

The candidate, Wise, explicitly offers international money transfers at low costs, multi-currency accounts, and a debit card for international spending. The app store descriptions and website content confirm these features, aligning strongly with the 'must-have' features. The presence of API integration, business account features, mobile app, and regulatory compliance further supports the classification.