> Wise has SEK accounts, but only you can fund them, your clients cannot.
Why not? Each account has IBAN (EU) or routing number (US)? What's stopping from getting paid in wise accounts? I have friends who use wise to accept money from contracting clients. These look pretty regular bank accounts to me.
Yes, but for example Swedish currency SEK does not have an IBAN account. Wise is unable to offer that (IBAN for SEK) for all but the major 8 currencies.