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Interesting.

It's exactly what we call "Hawala" in hindi. But "Hawala" is illegal in India then isn't Wise should also be illegal in India?

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Hawala is illegal because of the cash nature of the transactions which cannot be traced by the govt and thus is mostly non-taxed.

TransferWise is basically digitised hawala you are right. However, this is legal because its all via banks and can be easily tracked for taxation.

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