InstaReM Global is a rebranded fintech company called Nium. Nium is a global enterprise payments platform that allows businesses to send, spend, and receive money worldwide, build their own products, and simplify cross-border payments. Nium was founded by the same team that created InstaReM in 2014. InstaReM, now known as Nium, is regulated in various countries, including the U.S., European Union, Singapore, Canada, Hong Kong, India, Australia, and Malaysia.