Side-by-Side Comparison
| Metric | Instarem | Two |
|---|---|---|
| Founded | ||
| Founded | 2014 older | 2020 |
| Headquarters | ||
| Headquarters | Singapore | Oslo, Norway |
| Employees | ||
| Employees | 67 | 120 |
| Industry | ||
| Industry | Finance, Financial Services, Fintech | B2B, E-Commerce, Financial Services |
| Funding Stage | ||
| Funding Stage | Not tracked yet | Unknown |
| Total Funding | ||
| Total Funding | Not tracked yet | $41.79M |
| Funding Rounds | ||
| Funding Rounds | Not tracked yet | 4 |
| Services | ||
| Services | Money Transfers, Currency Exchange, Business Payment Solutions, Mobile Application for Transfers, Loyalty and Rewards Program | Net terms infrastructure, Credit and Fraud Engines, Automated sales workflows, AI credit and fraud decisioning, Merchant portal for order and credit management |
| Target Customers | ||
| Target Customers | Individuals Sending Money Overseas, Small and Medium Enterprises, Expats, International Students, Remote Workers | B2B Sellers, Hardware Manufacturers, Wholesalers, SaaS Providers, Building Material Suppliers, B2B Marketplaces, Banks |
| Taxonomy | ||
| Taxonomy | Cross Border Payments, Money Transfer, Remittance, B2B Payments, Foreign Exchange, Supplier Payments, Payments To Asia, Payment Technology, Cost-effective Transactions, Payment Simplification, Digital Payments, Fast Transactions, Payment Licensing | B2B Payments Platform, Net Term Credit, AI-powered Fraud Prevention, Credit Underwriting, Automated Invoicing, B2B Buy Now Pay Later, E-commerce Transactions, In-store Payments, Supplier Portal Transactions, Flexible Payment Options, Working Capital Management, Customer Onboarding, Cash Flow Improvement, B2B Sales Conversion, Risk Reduction |
| Website | ||
| Website | instarem.com | two.inc |
About Instarem
Instarem, founded in 2014, is at the forefront of the Fintech revolution, with a focus on simplifying cross-border payments. Headquartered in Singapore, the company's mission is encapsulated in its slogan: Money Simple. Instarem operates across a vast geographic footprint that includes Singapore, Au...
About Two
Two is a rapidly emerging player in the B2B payments landscape, known for its capability to offer the highest net term credit limits instantly. Established in 2020 and headquartered in Norway, Two leverages its advanced AI engines, Frida and Delphi, for robust fraud prevention and efficient credit u...
We will tell you when either one moves
BounceWatch watches Instarem and Two for new funding, fast hiring, new executives and a change of software vendor. When one happens, we email you the same day.
Funding, hiring, leadership and stack changes at Instarem and Two — by email.
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Compiled from the BounceWatch company index. We last looked at Instarem on 6 Apr 2026, and Two on 14 Mar 2026. Where a field is blank here, it means we have not recorded it — not that the answer is zero. How we source and date this.