InstaReM

InstaReM is an international money transfer service that allows individuals and businesses to send money overseas with competitive exchange rates and low, transparent fees. It offers fast and secure transfers to over 60 countries, along with a mobile app and real-time tracking. The platform also provides business solutions for global payments and payroll.

InstaReM is a strong match for the Wise concept. It explicitly highlights competitive exchange rates, low and transparent fees, and fast international money transfers for both personal and business users. The website mentions features like real-time rate alerts, a mobile app, and regulatory compliance. While it doesn't explicitly state 'mid-market exchange rate' in every instance, it emphasizes 'competitive exchange rates close to mid-market rates' and 'no hidden markups', aligning with the spirit of the feature. It also offers business accounts with features like batch payments and payroll for global workforce, which aligns with 'business account features' and 'batch payments'. There is no explicit mention of a multi-currency account or a borderless debit card, which are must-have features for Wise, hence the confidence score is not 1.0.