How MOBI Asia scaled faster and reduced FX costs by 40% with Instarem
This article covers:
The Company
MOBI Asia is a licensed payment gateway operating across Southeast Asia, powering both local and cross-border collections and disbursements. Their core offering connects businesses to a wide network of banks, enabling seamless pay-ins and payouts in local currencies.
Serving merchants in various fast-growing verticals, MOBI Asia operates at the heart of digital commerce: where speed, reliability, and compliance matter.
The Challenges
With a rapidly expanding merchant base and growing volumes of daily transactions, MOBI Asia faced rising pressure to deliver fast, cost-effective cross-border payouts. However, their existing setup—built on legacy banking systems—was proving too slow, opaque, and expensive.
“We needed to pay partners in Indonesia, India, and across Europe, but the old systems just weren’t built for the speed and transparency today’s merchants expect,” explained the Chief Operating Officer, Mobi Asia Sdn. Bhd.
Key operational pain points included:
- High cross-border fees and unpredictable FX spreads
- Slow settlement times, sometimes taking several days
- Limited real-time tracking, affecting internal reconciliation
- Compliance strain as corridors expanded into new regions
These inefficiencies weren’t just operational hurdles, they were affecting merchant service levels and straining retention.
“Our support teams spent too much time resolving payout issues. It was affecting onboarding, SLAs, and client confidence,” shared the Chief Operating Officer, Mobi Asia Sdn. Bhd.
The Solution
In search of a faster, more scalable cross-border solution, MOBI Asia turned to Instarem. What stood out was not just the platform’s capability, but the clarity, support, and regional compliance that came with it.
“Instarem gave us confidence in their compliance framework, and their onboarding was smooth from day one,” noted the Chief Operating Officer, Mobi Asia Sdn. Bhd.
A dedicated account manager walked the team through the setup and integration, helping MOBI Asia go live quickly without operational disruption.
“The real-time dashboard and hands-on support made it easy for our teams to scale payout operations,” remarked the Chief Operating Officer, Mobi Asia Sdn. Bhd.
The Results
Since implementing Instarem, MOBI Asia has achieved major improvements across cost, speed, and operational efficiency:
- 30–40% reduction in cross-border fees and FX spreads
- 1–2 day improvement in payout delivery across key markets like Indonesia, Singapore, and Europe
- 50% less reconciliation time for the internal finance team
- Greater scheduling control, leading to better cash flow planning
“Our finance and operations teams now spend less time resolving payment issues, and we’ve gained better control over disbursement scheduling,” reported the Chief Operating Officer, Mobi Asia Sdn. Bhd.
With real-time tracking and localized support, MOBI Asia has also improved their merchant experience, delivering faster disbursements and building stronger partner trust.
“Instarem is a reliable partner that delivers consistent performance and localized support. Their transparency and agility match the pace of a fintech like ours. Most importantly, their team is proactive and solutions-oriented, always available when we need them,” emphasized the Chief Operating Officer, Mobi Asia Sdn. Bhd.
As MOBI Asia continues to grow and expand into new markets, they see Instarem as a key enabler in delivering seamless payments at scale.
Ready to simplify your global payments?
Discover how Instarem can help you reduce fees, speed up settlements, and better serve your global network.
