Im a world traveling online business owner. I want control over my money and funding methods to pay employees around the world. Neema offers a feature set nothing else Ive found does, and does it very well. Im able to instantly fund using proof of bank wire (no waiting for it to finish), or fund at location and get a cc on the spot, control the pin on my mobile, send money ultra cheap. Customer service is unparalleled. Neema is probably the best financial service company Ive ever interacted with. Immediate telephone following instant online chat support. Easy process made for customers. Im sure everyone will have Neema soon, as transfer between accounts is extra easy and you get a great log of all activity. Ive been waiting a long time for a product like this, and Im so glad the universe has responded :)