{"schema":"https://policywatcher.online/schemas/evidence-packet/v1","schemaVersion":"1.1.0","mappingVersion":"2026-07-29.1","changeId":"442bb5a6-3cea-423d-8b3d-8e3e888d996e","screeningDate":"2026-10-30T15:43:26.494Z","publicationGate":"published","company":{"id":"eaf6c865-63a3-4c4f-bd2b-00eb6d0071d5","name":"Wise","slug":"wise","industry":"FinTech"},"policy":{"id":"b12c369f-415a-42cf-b4b8-11d70e823cbf","name":"Terms of Use","type":"terms","jurisdiction":"Global","sourceUrl":"https://wise.com/us/legal/terms-of-use"},"sourceConfidence":{"state":"verified-retrieval","lastCheckedAt":"2026-10-30T15:43:26.478Z","retrievalChannel":"direct","dataStatus":"Available","publicSnapshotEvidence":true,"limitation":"Source confidence describes recorded retrieval and publication state. 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It does not prove provider execution, semantic completeness or legal correctness."},"captureLineage":{"old":{"provenance":"unknown","sourceUrl":null,"requestedUrl":null,"finalUrl":null,"capturedAt":"2026-10-01T19:53:32.650Z","urlDisclosure":"credentials-query-fragment-redacted"},"current":{"provenance":"captured","sourceUrl":"https://wise.com/us/legal/terms-of-use","requestedUrl":"https://wise.com/us/legal/terms-of-use","finalUrl":"https://wise.com/us/legal/terms-of-use-personal","capturedAt":"2026-10-30T15:43:26.478Z","urlDisclosure":"credentials-query-fragment-redacted"}},"assessment":{"summary":"The new 'Auto Top-Up' feature offers convenience but involves automatic debits and fees without re-authentication for each transaction.","overallRisk":"Medium","overallScore":6,"previousPublicChange":{"id":"83267f34-6e62-47d2-a79e-e19dc4479cc5","overallRisk":"Medium","overallScore":4,"screeningDate":"2026-10-01T19:53:32.658Z"},"scoreDelta":2,"direction":"higher","reasons":[{"icon":"warning","textEn":"New auto top-up enables recurring debits without re-authentication.","textIt":"La nuova ricarica automatica abilita addebiti ricorrenti senza ri-autenticazione.","deltaScore":2,"evidenceQuote":"That initial authentication authorises the Auto Top-Up arrangement, and we will not ask you to separately authenticate each later top-up made under it","evidenceSide":"new","relatedKpi":"kpiConsentMechanism","anchorStatus":"verified"},{"icon":"warning","textEn":"Fees are charged for each automatic top-up, increasing potential costs.","textIt":"Le commissioni sono addebitate per ogni ricarica automatica, aumentando i costi potenziali.","deltaScore":1,"evidenceQuote":"Each Auto Top-Up is subject to the same fees that would apply if you added money using the same Pay-In Method. The applicable fee will be charged each time an Auto Top-Up occurs","evidenceSide":"new","relatedKpi":null,"anchorStatus":"verified"},{"icon":"info","textEn":"Wise disclaims liability for failed auto top-ups, shifting risk to user.","textIt":"Wise declina la responsabilità per le ricariche automatiche fallite, spostando il rischio sull'utente.","deltaScore":1,"evidenceQuote":"We will not be responsible for any resulting consequences where an Auto Top-Up is not completed, but we will try to let you know so that you can add money another way.","evidenceSide":"new","relatedKpi":null,"anchorStatus":"verified"}],"keyPoints":[{"textEn":"Introduces 'Auto Top-Up' feature for automatic account funding, enhancing user convenience.","textIt":"Introduce la funzione 'Auto Top-Up' per il finanziamento automatico del conto, migliorando la comodità dell'utente.","sentiment":"positive"},{"textEn":"Initial setup authorizes recurring debits without requiring re-authentication for each subsequent top-up.","textIt":"La configurazione iniziale autorizza addebiti ricorrenti senza richiedere una nuova autenticazione per ogni ricarica successiva.","sentiment":"negative"},{"textEn":"Fees are applied to each automatic top-up, potentially increasing overall transaction costs.","textIt":"Le commissioni si applicano a ogni ricarica automatica, aumentando potenzialmente i costi complessivi delle transazioni.","sentiment":"negative"},{"textEn":"Wise does not guarantee successful auto top-ups and disclaims responsibility for resulting issues.","textIt":"Wise non garantisce il successo delle ricariche automatiche e declina la responsabilità per eventuali problemi.","sentiment":"negative"}],"regionImpacts":[{"region":"EU","perspective":"Enterprise","riskLevel":"Low","impactAnalysisEn":"For enterprises, the introduction of automatic payment features requires robust internal controls and clear communication to customers regarding consent and fee structures. Compliance with financial regulations remains key.","complianceNoteEn":null},{"region":"EU","perspective":"Individual","riskLevel":"Medium","impactAnalysisEn":"The new Auto Top-Up feature, while opt-in, raises questions under GDPR regarding explicit consent for recurring payments without re-authentication. Users should be mindful of their authorization for automatic debits.","complianceNoteEn":"GDPR Consent"},{"region":"Global","perspective":"Enterprise","riskLevel":"Low","impactAnalysisEn":"Implementing auto-funding features globally requires careful consideration of diverse local payment regulations and consumer protection laws. Clear, localized disclosures and user control mechanisms are vital.","complianceNoteEn":null},{"region":"Global","perspective":"Individual","riskLevel":"Medium","impactAnalysisEn":"Globally, users gain convenience but should exercise caution with automatic payment features. It is essential to understand the terms, monitor transactions, and manage linked payment methods to avoid unexpected charges.","complianceNoteEn":null},{"region":"US","perspective":"Enterprise","riskLevel":"Low","impactAnalysisEn":"Wise must ensure its Auto Top-Up feature complies with US financial regulations, including disclosure requirements for recurring payments. Maintaining transparency on fees and user control is crucial for regulatory compliance.","complianceNoteEn":null},{"region":"US","perspective":"Individual","riskLevel":"Medium","impactAnalysisEn":"US consumers benefit from the convenience of Auto Top-Up but must understand the terms of recurring electronic fund transfers. The Electronic Fund Transfer Act (EFTA) provides protections, but users are responsible for monitoring their accounts.","complianceNoteEn":"EFTA, CFPB"}],"explanationBoundary":"Score reasons and deltaScore values are stored AI-assisted screening outputs. Verified anchors confirm only that the quoted passage occurs in the named snapshot; they do not prove the interpretation."},"governance":{"boundary":"Mappings identify review relevance between recorded PolicyWatcher KPI fields and framework topics. They are not legal interpretations, conformity assessments, certifications or compliance verdicts.","mappings":[{"framework":{"id":"eu-ai-act","name":"Regulation (EU) 2024/1689 (EU AI Act)","shortName":"EU AI Act","referenceUrl":"https://eur-lex.europa.eu/eli/reg/2024/1689/oj","referenceVersion":"Official Journal text, 2024","reviewQuestion":"Which recorded policy statements may be relevant to transparency, automated decisions, data use and human oversight review?","kpiFields":["kpiAiTrainingOptOut","kpiAlgoTransparency","kpiAutomatedDecision","kpiAiBiasFairness"]},"status":"mapped","assessedCount":3,"mappedFieldCount":4,"evidence":[{"field":"kpiAlgoTransparency","label":"Algorithmic transparency","value":"Opaque"},{"field":"kpiAutomatedDecision","label":"Automated decisions","value":"Opaque"},{"field":"kpiAiBiasFairness","label":"AI bias and fairness","value":"Absent"}]},{"framework":{"id":"iso-42001","name":"ISO/IEC 42001:2023","shortName":"ISO/IEC 42001","referenceUrl":"https://www.iso.org/standard/42001","referenceVersion":"ISO/IEC 42001:2023 overview","reviewQuestion":"Which recorded policy statements may inform an AI management-system review of transparency, risk oversight and independent assurance?","kpiFields":["kpiAlgoTransparency","kpiAiBiasFairness","kpiIndependentAudit","kpiRegulatoryCompliance"]},"status":"mapped","assessedCount":4,"mappedFieldCount":4,"evidence":[{"field":"kpiAlgoTransparency","label":"Algorithmic transparency","value":"Opaque"},{"field":"kpiAiBiasFairness","label":"AI bias and fairness","value":"Absent"},{"field":"kpiIndependentAudit","label":"Independent audit","value":"Absent"},{"field":"kpiRegulatoryCompliance","label":"Regulatory compliance","value":"Comprehensive"}]},{"framework":{"id":"nist-ai-rmf","name":"NIST AI Risk Management Framework 1.0","shortName":"NIST AI RMF","referenceUrl":"https://www.nist.gov/itl/ai-risk-management-framework","referenceVersion":"AI RMF 1.0; NIST revision in progress, checked 2026-07-29","reviewQuestion":"Which recorded policy statements may support Govern, Map, Measure or Manage review questions?","kpiFields":["kpiAlgoTransparency","kpiAutomatedDecision","kpiAiBiasFairness","kpiContentModeration"]},"status":"mapped","assessedCount":3,"mappedFieldCount":4,"evidence":[{"field":"kpiAlgoTransparency","label":"Algorithmic transparency","value":"Opaque"},{"field":"kpiAutomatedDecision","label":"Automated decisions","value":"Opaque"},{"field":"kpiAiBiasFairness","label":"AI bias and fairness","value":"Absent"}]},{"framework":{"id":"oecd-ai-principles","name":"OECD AI Principles","shortName":"OECD AI Principles","referenceUrl":"https://oecd.ai/en/ai-principles","referenceVersion":"OECD AI Principles, updated 2024","reviewQuestion":"Which recorded policy statements may be relevant to transparency, fairness, accountability and user agency review?","kpiFields":["kpiConsentMechanism","kpiAlgoTransparency","kpiAiBiasFairness","kpiIndependentAudit"]},"status":"mapped","assessedCount":4,"mappedFieldCount":4,"evidence":[{"field":"kpiConsentMechanism","label":"Consent mechanism","value":"Opt-Out"},{"field":"kpiAlgoTransparency","label":"Algorithmic transparency","value":"Opaque"},{"field":"kpiAiBiasFairness","label":"AI bias and fairness","value":"Absent"},{"field":"kpiIndependentAudit","label":"Independent audit","value":"Absent"}]}]},"humanReviewQuestions":["Does the original Terms of Use source still match the recorded public snapshot version 4?","Do the cited source passages support each displayed reason, KPI value and regional note?","Which advisory framework topics require specialist legal, risk or governance review for this use case?","Has a later public change superseded this packet before it is reused in a decision or publication?"],"methodologyUrl":"https://policywatcher.online/methodology/confidence","changeUrl":"https://policywatcher.online/change/442bb5a6-3cea-423d-8b3d-8e3e888d996e","boundary":"This packet records PolicyWatcher evidence and AI-assisted screening for one public change. It is not legal advice, a compliance verdict, a certification, or proof that the external source remains unchanged.","contentDigest":"d703f39be4ef3c94eefd079b8f853b713b283448a401d90031186763f512e5fc"}