NIUM is a Singapore-based, cross-border payments company. As a rebrand of InstaReM, the company is licensed as a Money Services Business (MSB) in Singapore, Australia, Hong Kong, Malaysia, India, Canada, Europe, and the United States. It enables local payments across borders, reaching out to people across the globe. The world's payment infrastructure in a single API integration. Embed global payment services for Pay Out, Pay In and Card-Issuance in as little as 4 weeks.