Horses For Courses

That is not real banking. Would you move $100,000 USD thru Wise to Kapital? Kapital has no swift code and until it gets one, it will remain in the minor league.

Are you familiar with the expression horses for courses?

No racehorse has to be suitable for every race condition.

No financial method has to be suitable for every financial transaction. Some specialized methods are more suitable for one function.

Modifying your question, I wouldn’t transfer $100,000 USD from ScotiaBank in Zihuatanejo to Banorte a block away by withdrawing cash and walking it one block. But I routinely walk around Zihuatanejo with M$10,000 in cash to “transfer it” to shopkeeepers in the mercado and elsewhere.

Wise is not a bank, yet over the years I have transferred hundreds of thousands of dollars using it.

I don’t have an Intercam account. I don’t have an Kapital account. I doubt that I ever will. ScotiaBank and Banorte are sufficient for me. But I acknowledge that Kapital is an appropriate institution for some purposes.