# Wise — Wrapped API

> **You are on:** `https://api.beta.paywithlocus.com/api` | [llms.txt](https://beta.paywithlocus.com/llms.txt) | [docs](https://docs.paywithlocus.com)
>
> Locus runs on multiple environments -- make sure every URL you call matches your expected environment.
> | Environment | Landing | API | Docs |
> |---|---|---|---|
> | Production | paywithlocus.com | api.paywithlocus.com | docs.paywithlocus.com |
> | Beta | beta.paywithlocus.com | api.beta.paywithlocus.com | docs.paywithlocus.com |
> | Stage | stage.paywithlocus.com | api.stage.paywithlocus.com | docs.paywithlocus.com |
>
> If the API URL above doesn't match your expected environment, re-fetch this file from the correct domain.

> Get real-time exchange rates, convert between currencies, and check transfer fees directly from Wise.com. Access live pricing data, supported currency pairs, historical rate trends, and detailed currency information to make informed international money transfer decisions.

**Category:** Finance & Markets | **Website:** [wise.com/](https://wise.com/) | **Docs:** [parse.bot/marketplace/645ac7d9-dce6-444b-ba24-fba2ad9c7c97/wise-com-api](https://parse.bot/marketplace/645ac7d9-dce6-444b-ba24-fba2ad9c7c97/wise-com-api)

Pay-per-use API proxy for Locus Pro. Each call burns credits from your workspace balance.

## Access

**Base URL:** `https://api.beta.paywithlocus.com/api/wrapped/credits/wise/`
**Auth:** `Authorization: Bearer <LOCUS_CREDITS_SECRET_KEY>` (an `lcr_` secret key or a scoped `lcac_` agent credential)
**Required header:** `Idempotency-Key: <fresh UUID per call>`. A retry with the same key replays the stored result without a new charge.
**Response:** the provider response after any endpoint-specific normalization. `X-Locus-Credits-Charged` carries the charge and `X-Locus-Credits-Balance` the remaining balance. Insufficient credits return `402` before the provider is called.
**Pricing:** estimated costs below are USD. Locus debits the credit equivalent at your workspace rate.

Full call contract: https://docs.paywithlocus.com/api-reference/introduction

> Using a Pay With Locus wallet key (`claw_` prefix)? Wallet routes are documented separately: https://docs.paywithlocus.com/wrapped-apis/for-agents

## Endpoints

### Convert currency

Get the converted amount for a specific send amount between two currencies. Returns the recipient amount after fees, the exchange rate used, and the cheapest payment method combination. Includes potential savings compared to banks when available.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `amount` | number | No | Amount to convert in the source currency |
| `source` | string | Yes | Source currency code (e.g. USD, GBP, EUR) |
| `target` | string | Yes | Target currency code (e.g. EUR, USD, GBP) |

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/wise/convert-currency \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"amount":"<number>","source":"<string>","target":"<string>"}'
```

### Get currency details

Get details about a specific currency including its full name, symbol, a descriptive paragraph, and a live exchange rate table showing rates to and from major world currencies. The rate table typically includes 8 major pairs.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `code` | string | Yes | Currency code (e.g. USD, EUR, GBP, AUD) |

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/wise/get-currency-details \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"code":"<string>"}'
```

### Get currency pairs

Get all available currency conversion pairs for a specific base currency. Returns a list of directional pair strings (e.g. 'USD to EUR', 'EUR to USD') indicating which conversions are supported. Useful for validating whether a specific route exists before attempting a conversion.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `code` | string | Yes | Base currency code (e.g. USD, EUR, GBP, AUD) |

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/wise/get-currency-pairs \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"code":"<string>"}'
```

### Get exchange rate

Get the mid-market exchange rate between two currencies. By default returns the current live rate with a 48-hour percentage change. When a date is provided, returns the historical rate for that specific date instead (percentage_change_48h will be null for historical lookups).

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `date` | string | No | Historical date in YYYY-MM-DD format. Must be within the last 5 years. When omitted, returns the current live rate. |
| `source` | string | Yes | Source currency code (e.g. USD, GBP, EUR) |
| `target` | string | Yes | Target currency code (e.g. EUR, USD, GBP) |

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/wise/get-exchange-rate \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"date":"<string>","source":"<string>","target":"<string>"}'
```

### Get exchange rate history

Get historical exchange rate data points for a currency pair over a specified period. Returns timestamped rate values, the current rate, and percentage change over the period. Data point density varies by period: hourly for short periods (1D, 1W, 1M), daily for longer ones (6M, 1Y, 5Y).

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `period` | string | No | Time period for historical data |
| `source` | string | Yes | Source currency code (e.g. USD, GBP, EUR) |
| `target` | string | Yes | Target currency code (e.g. EUR, USD, GBP) |

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/wise/get-exchange-rate-history \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"period":"<string>","source":"<string>","target":"<string>"}'
```

### Get transfer fee

Get the full fee breakdown for a money transfer with various payment method combinations. Returns all available pay-in/pay-out method pairs with their respective fees, exchange rates, recipient amounts, and estimated delivery times. Useful for comparing transfer costs across methods.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `amount` | number | No | Amount to send in the source currency |
| `source` | string | Yes | Source currency code (e.g. USD, GBP, EUR) |
| `target` | string | Yes | Target currency code (e.g. EUR, USD, GBP) |

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/wise/get-transfer-fee \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"amount":"<number>","source":"<string>","target":"<string>"}'
```

### List supported currencies

Get the full list of all currencies supported by Wise. Returns currency code, name, symbol, country keywords for search, and whether the currency supports decimal amounts. Typically returns 50+ currencies.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/wise/list-supported-currencies \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{}'
```

## Next steps

- [All wrapped API providers](https://beta.paywithlocus.com/wapi/index.md): pick another provider.
- [Find and call tools](https://beta.paywithlocus.com/agent/tools.md): price ceilings, async results, and errors.
- [Credits and billing](https://beta.paywithlocus.com/agent/billing.md): what a call costs and how to add credits.
- [Agent docs index](https://beta.paywithlocus.com/agent/index.md): every Locus agent page.