i've used them only once. I agree they are a wierd service. they say two days to your bank account, then it takes a week. they do all this wierd shit to confirm your identity, which includes random ass questions about some address you lived 10 years ago, and about random people from your town. fucking wierd as shit. then, you always fail the identity verification, its so fucking dumb, and an obviously rigged system to prevent you from getting to level 2 or 3 or whatever the hell it is. So in the end, they aren't exactly a scam, they are just a strange bunch of folks with odd ball ways of doing things and a misleading company line.