Because InstaPay is a fund transfer and routing service rather than a standalone depository institution or wallet holding physical cash balances, funds moved through it land directly in a destination bank account or electronic wallet. To obtain physical cash, a user must access the funds through the standard withdrawal channels provided by their specific bank or e-money issuer, such as visiting an automated teller machine, using an over-the-counter teller service at a physical branch, or transferring the balance to an accessible debit card linked to that account.