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How are the transfer speeds with Instarem? Does InstaReM refund amount after cancelling transaction? How much time it will take to reach funds to the recipient? Is my money safe with Instarem? Is Instarem tracking legit? Can I pay using debit or credit card on InstaReM? How much will I be charged for using Instarem? Can I send money through mobile phones or tab using InstaReM? How wide is the Instarem country coverage?