I'm interested to hear if anyone here has considered Wise the FinTech payments company as a possible value long term play? I bought 2 years ago and am up roughly 34% which lets be honest isn't great. I'm a satisfied customer of theirs and also see the potential for a moat in the business but the share price hasn't seemed to budge. I know that management has invested into their payments infrastructure to bring the costs of transfer down, which has reduced profits in the short term with the view of it being beneficial in the long term but I am feeling that this could be a value trap? What do you all think?