[ntSean]

I feel as though the whole story isn't here, as there's one key detail that seems suspect from Wise's email: "Additionally, the reason behind our decision is because your activities exceed our risk tolerance."

It seems as though Wise had noticed payment patterns that seemed outside of what Wise is comfortable facilitating. I hope the author can get their funds, but this behaviour is consistent with all banking services.

[wmf]

If you do something wrong they say "your activities exceed our risk tolerance".

If they make a mistake they say... "your activities exceed our risk tolerance". It's legal boilerplate that covers all possible situations.

[SuperNinKenDo]

Probable just boilerplate. Both parts of the statement can be read so many ways as to be effectively meaningless.