# Sendwave: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 2 judge labels across 1 category by 2 of 14 models. Page: https://www.gane.ai/index/finance/vendors/sendwave

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Cross-border payments and FX](https://www.gane.ai/index/finance/treasury/cross-border-payments-and-fx/index.md) | 0% | 94 | 100% | 2 |

## And against it

- "the CFPB found misleading claims about transfer speed and cost, along with disclosure and dispute-handling violations" (GPT-6 Luna, Cross-border payments)
- "the CFPB has taken action involving Wise and Sendwave over remittance practices and disclosures" (GPT-5.4 mini, Cross-border payments)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 1 | 1 |
| Gemini 3.5 Flash | 0 | 0 | 0 | 0 | 0 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.20 | 0 | 0 | 0 | 0 | 0 |
| Mistral Small | 0 | 0 | 0 | 0 | 0 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 0 | 0 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 0 | 0 |
| Kimi K2 | 0 | 0 | 0 | 0 | 0 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 0 | 0 |
| MiniMax M2.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-6 Luna | 0 | 0 | 0 | 1 | 1 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |

## Sources returned with these answers

The sites and pages cited by the answers that named Sendwave, from 3 of the 3 answers that named it (only the models that return a source list).

### Domains cited

- consumer.ftc.gov: 2
- consumerfinance.gov: 2
- bis.org: 1
- businessdailyafrica.com: 1
- cftc.gov: 1
- coindesk.com: 1
- connectpay.com: 1
- cs-cart.com: 1
- exchange4media.com: 1
- files.consumerfinance.gov: 1

### Pages cited

- https://bis.org/pages/cpmi-cross-border-payments-programme/pietf-fraud-report-2026.pdf: 1
- https://bis.org/publications/paper-167-cross-border-payment-technologies-innovations-and-challenges.pdf: 1
- https://businessdailyafrica.com/bd/economy/global-firms-block-kenya-cash-transfers-in-dirty-money-fears-5562662: 1
- https://cftc.gov/LearnAndProtect/AdvisoriesAndArticles/ATM.html: 1
- https://coindesk.com/policy/2026/05/02/brazil-s-central-bank-bans-stablecoin-and-crypto-settlement-in-cross-border-payments: 1
- https://connectpay.com/blog/international-payment-gateways: 1
- https://consumer.ftc.gov/articles/what-know-you-wire-money: 1
- https://consumer.ftc.gov/consumer-alerts/2021/04/avoid-payment-scams-while-rebuilding-your-finances: 1

## Record

- Method: https://www.gane.ai/index/finance/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/finance.