Steve Hickman No, Wise is not a bank, they have no bank license, so you cannot upgrade in a way to make it a bank account. They can offer same functionality, but still no bank. But we don't even know if the funds are proven with Wise, OP only mentions invoicing with Wise.
In your place I would choose for a few days neighbouring country, then you get at least something back for the money, and chances for questioning will be less.
Indeed most times the rules do not change, but the circumventing of the rules gets stopped. Some people here think that everything that is not enforced gives possibilities and thus is allowed to do. When it gets enforced they complain rules changed.
No idea how you could have understood this the wrong way, it was discussed here many, many times and it is perfectly clear you have to stay in the area of jurisdiction of the embassy/consulate.