Here is what happened to me when I used wise.com:
First I didn't know that wise did not allow bitcoin. I moved through Wise $10-100 K for bitcoin transactions in a personal account and told them that I was a freelancer. At a certain point, I noticed that my transfers were not coming in. Something like nine transfers failed. Eventually they shut down my account because they didn't know what I was doing and it probably didn't look like I was using it as a personal account. I decided to let them know that I was using it for bitcoin. With three weeks they refunded my transfers to my customers. I also received my money back within that time. I learned my lesson.
First I didn't know that wise did not allow bitcoin. I moved through Wise $10-100 K for bitcoin transactions in a personal account and told them that I was a freelancer. At a certain point, I noticed that my transfers were not coming in. Something like nine transfers failed. Eventually they shut down my account because they didn't know what I was doing and it probably didn't look like I was using it as a personal account. I decided to let them know that I was using it for bitcoin. With three weeks they refunded my transfers to my customers. I also received my money back within that time. I learned my lesson.