I don't use Wise but this thread prompted me to try and have a look at their Ts and Cs. I can understand many of the restrictions but their list is extensive - https://wise.com/us/acceptable-use-policy-inc
The language to me is confusing as under 1.2 they say lawful transactions are ok but then follow up with a paragraph that says
This list includes "adult content", online pharmacies and IPTV and VoIP providers.........amongst others.