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新加坡跨境电子支付创企InstaReM获1300万美元B轮融资,GSR Ventures领投

今日,新加坡跨境电子支付创企InstaReM获得了1300万美元B轮融资,由GSR Ventures领投,SBI-FMO Fund、Vertex Ventures、Fullerton Financial Holdings和Global Founders Capital参投。

这家金融科技公司将利用这笔资金建立其全球支付基础设施,开发更多新产品,并在更多市场中争取获得授权。

InstaReM的联合创始人兼首席执政官Prajit Nanu说道:“这笔重要的投资能推动公司进入下一发展和扩张阶段。GSR Venture在中国和美国拥有强大的网络,而SBI-FMO Fund在日本以及其它新兴市场拥有强大的基础。我们认为,这轮融资给公司带来了最好的合伙人。”

今年,InstaReM计划进入美国和欧洲等新市场,现阶段它的运营范围包括了澳大利亚、新加坡、香港和加拿大。为了获取欧洲客户,这家公司计划推出一种新的支付系统,从而让欧洲334个成员国之间的转账时间从24小时减少到10秒钟。

InstaReM成立于2014年,它在过去的18个月里获得了共计1800万美元的融资。通过它的服务,客户可以在50多个国家之间进行转账。

随着电商和数字支付的兴起,全球跨境交易的数量正在急剧增长。

根据麦肯锡在2014年的一份报告中指出,跨境支付占全球支付的20%,金额达到了1900亿美元。随着电子支付手段的推广,这个数字无疑还会继续增加。

Cross-border remittances amounted to a whopping US$575 billion last year – the bulk of it going to developing countries as migrant family members sent money home or companies sent payments to workers abroad.

Singapore-headquartered Instarem is a disruptor in this space, reducing the cost of money transfers due to the “FX spread” that banks impose. (FX spread is the difference between the wholesale inter-bank foreign exchange rate and the rate quoted to you by the bank or international money transfer company.)

Instarem has grown rapidly since its launch at the beginning of 2015 in Australia – the first country where it got a licence to make remittances. It then got licences in Singapore, Hong Kong, and Canada. From these countries, it can transfer money to 50 countries currently.

The startup raised a US$5 million series A round led by Vertex Ventures in March last year.

Instarem says the amount of remittances it handles has grown eightfold since that funding. It claims to be processing 150,000 transactions a month, with an average transfer size of US$1,800. The charge ranges from 0.25 percent to 0.5 percent, “instead of the usual fee plus FX spread,” which varies from 1 percent to 5 percent in different markets.

Today Instarem announced a series B round of US$13 million. Silicon Valley and Beijing-based GSR Ventures led this round, with participation from SBI-FMO Fund, Vertex Ventures, Fullerton Financial Holdings, and Global Founders Capital (GFC).

Instarem intends to expand into Europe and the US by the end of this year, says CEO and co-founder Prajit Nanu, who hails from India’s financial capital, Mumbai. It is also building a new payment system that promises to speed up Euro payment transfers “from 24 hours to less than 10 seconds across 34 member countries.”

GSR Ventures, which was the first institutional investor in Chinese unicorns like Didi and Ofo, can help Instarem with its network in China and the US. And the choice of SBI-FMO Fund as an investor serves a similar purpose.

“We look forward to plugging Instarem into our global ecosystem of fintech and financial service companies,” says Suramya Gupta, fund manager at SBI-FMO Fund, set up jointly by Japanese financial services conglomerate SBI Group and the Netherlands development bank FMO.


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