INS Pay is an easy to use Virtual Wallet used by Mutuals, Cooperatives, Finances and Fintech to provide services to their associates / clients. Each user manages the means of payment that he has in his Entity and with them they can make payments with QR, receive or send transfers, pay for services, recharge cell phones, SUBE and DirecTV, withdraw money or use a QR code to enter an ATM Automatic INS RED.