Transferring money directly from the United States through InstaPay requires utilizing an international remittance partner, third-party money transfer operator, or digital remittance service that maintains direct integration with the local banking network where InstaPay operates. Senders in the USA typically initiate the transaction through an international transfer app or bank wire, designating a recipient account held at a participating domestic bank or e-wallet. The local receiving institution then processes the incoming international remittance via the domestic clearing network to complete the final deposit.