同样——我对Costco不感兴趣，所以让我们谈谈Wise。它更有趣。我对Wise感兴趣。跨境也是如此。在Wise上发生的跨境交易量越多，它为顾客节省的就越多，它就越能为顾客降低价格。
Same—I'm not interested in Costco, so let's talk about Wise. It's more interesting. I'm interested in Wise. Same for cross-border. The more cross-border volume happens on Wise, the more it saves for customers, the more it can lower prices for customers.
所以即使利润率——在这种情况下主要是Wise和dLocal的费率——在下降，这是故事的一部分。只要交易量在上升，这并不重要。
So even if margins—in this case it is mostly take rate for Wise and dLocal—are going down, this is part of the story. It doesn't matter as long as volume is going up.
甚至dLocal和Wise也在这样做，尤其是Wise对企业。他们有增值服务。所以他们以最便宜的价格提供人们想要的东西——也就是说，在dLocal的情况下，支付处理；在Wise的情况下，跨境交易——尽可能便宜。
但然后这个人有其他他们愿意付钱的东西，竞争对手不会提供的东西。
Even dLocal and Wise are doing that, especially Wise with businesses. They have value-added services. So they give the thing that people want for the cheapest, at the cheapest price—that is, in the case of dLocal, payment processing; in the case of Wise, cross-border transactions—as cheap as possible. But then the person has other things that they are willing to pay for, something that the competitor will not give.
Wise表示，他们去年为客户节省了300万美元。
Wise said that they saved last year for customers $3 million,
Wise简化了这一点。在保持盈利的同时尽可能提供最低的价格。这很重要。他们希望保持盈利。所以这符合所有者的利益——不仅仅是客户——但他们也考虑客户。不像Adobe那样试图从客户那里尽可能多地赚钱。不，不是这样的。
Wise simplifies that. Lowest prices as much as they can while remaining profitable. This is important. They want to remain profitable. So it's in the interest of owners—not just the customers—but they have the customers also in mind. It's not like Adobe trying to take as much money from the customers as possible. No, that's not the case.
即使Wise最初只是一个应用程序，他们也适应了。他们看到大多数人不会使用Wise应用，所以让我们把它做成在普通银行应用后台运行的东西。
Even Wise initially, they were only an app, and they adapted. They saw that most will not be using the Wise app, so let's make it something that runs in the background for customers on a normal banking app.
感谢您观看这部分。我建议您观看我上一个关于Wise的视频。
Thank you for watching this part. I would recommend you watch my last video about Wise.