ee4567

I think it is zero. For the corridors you are quoting, TransferWise does not support flow of funds in other direction due to lack of demand. There may be two reason why they still support those corridors:

1. You get dollars - which can be used to buy any other currency.
2. Kill the competition - TransferWise makes money where-ever there is a overlap like UK-US corridor and very less in corridors like US-IND. But with the money they make in overlapping corridors, they are able to sustain (for now) to server corridors like US-IND and US-Philippines.

I don't agree that you offer mid market rate pricing. It seems like a marketing trick.

You still charge a 1% fee. But Xoom just happens to chose other model, where they have a mark up on the exchange rates (~1.3%) but no fee. Which kinda not that bad for their instant funds delivery option vs TransferWise's 2-3 days promise.

I don't work for Xoom and completely unbiased. I love FinTech and also happen to be from India. So it is my $0.02 that looking at Xoom, who have been enjoying 80% customer retention, better mobile experience and provide instant delivery of funds, I think you have to be more innovative to beat them.

How long does it take for TransferWise to get to breakeven? (assuming Facebook does not acquire you soon :))