wise_total.py

import requests
from collections import defaultdict

token = '' # Wise token
host = 'https://api.wise.com'
targetCurrencies = ['MYR', 'TWD']

def dfs(graph, start, end, value, visited):
    if start not in graph or start in visited:
        return -1.0
    if start == end:
        return value
    visited.add(start)
    neighbors = graph[start]
    for neighbor, neighbor_value in neighbors.items():
        rate = dfs(graph, neighbor, end, value * neighbor_value, visited)
        if rate != -1.0:
            return rate
    return -1.0

def get_data(url, token):
    if token is not None:
        headers = {
            'Authorization': 'Bearer ' + token
        }
        response = requests.get(url, headers=headers)
    else:
        response = requests.get(url)
    return response.json()

def getEstimate(sourceCurrency: str, targetCurrency: str, amount: int, token: str, host: str, fee: float = 0.01):
    # fee is hardcoded due to no info from Wise
    rate = get_data(f'{host}/v1/rates?source={sourceCurrency}&target={targetCurrency}', token=token)[0]['rate']
    return rate * amount * (1 - fee), rate

def getBalance(balances, targetCurrency, token, host):
    total = 0
    for balance in balances:
        sourceCurrency = balance['currency']
        if sourceCurrency == targetCurrency:
            total += balance['amount']['value']
        else:
            amount = balance['amount']['value']
            total += getEstimate(sourceCurrency, targetCurrency, amount, token, host)[0]
    return round(total, 2)

def calculate_conversion_rates(rates, query):
    # Build graph
    graph = defaultdict(dict)
    for flow, value in rates.items():
        from_currency, to_currency = flow
        graph[from_currency][to_currency] = value
        graph[to_currency][from_currency] = 1/value
        
    # Perform DFS for each query

    from_currency, to_currency = query
    visited = set()
    rate = dfs(graph, from_currency, to_currency, 1.0, visited)

    return rate

def getTotal(balances, targetCurrencies, token, host, fee=0.01, printTotals=True):
    # fee is hardcoded due to no info from Wise
    total = dict()
    rates = dict()
    npass = 0
    for trg in targetCurrencies:
        total[trg] = 0
        for balance in balances:
            sourceCurrency = balance['currency']
            if sourceCurrency == trg:
                total[trg] += balance['amount']['value']
            else:
                amount = balance['amount']['value']
                if npass == 0:
                    rates[(sourceCurrency, trg)] = getEstimate(sourceCurrency, trg, 1, token, host)[1]
                    conversion = rates[(sourceCurrency, trg)]
                else:
                    conversion = calculate_conversion_rates(rates, (sourceCurrency, trg))
                    if conversion == -1.0:
                        conversion = getEstimate(sourceCurrency, trg, 1, token, host)[1]
                    rates[(sourceCurrency, trg)] = conversion
                total[trg] += conversion * amount * (1 - fee)
            total[trg] = round(total[trg], 2)
        npass += 1
    if printTotals:
        print({k: f'{v:,.2f}' for k, v in total.items()})
    return total

profiles = get_data(f'{host}/v2/profiles', token)
profileID = profiles[0]['id']
balances_list = get_data(f'{host}/v4/profiles/{profileID}/balances?types=STANDARD', token)
balances = [b for b in balances_list if b['amount']['value'] > 0]

getTotal(balances, targetCurrencies, token, host,
         fee=0.01, printTotals=True)