It's so convenient for me to receive…
It's so convenient for me to receive the contract payment in USD from my company abroad. I've felt uncomfortable asking my company to afford the transaction fee too much. But, if I would pay the transaction fee, my one-day contract payment may disappear. Using Wise is the best solution for both our company and me not being bothered by the transaction fee.
I can keep my payment in USD. 
I couldn't rate four because I haven't succeeded to withdraw the money at the ATM in Japan by JPY yet. Can't you make withdrawal easier with ATM at the street corner?