There's no need for multiple wallets/accounts as you can invest in multiple investments with a single account.
Yes, if your having issues with third party automatic getaways when making payments then you can always revert to making a manual deposit.
Kindly wait for your chosen investment to complete it cycle and then provide to fill in the amount of which you want to withdraw and then proceed to withdraw to your chosen account/wallet.
Ranking gives access to many benefits like higher referral bonus and discount on investment plans and can only be upgrading by the number of pass investments.
Referral levels are upgraded based on how many referrals a user has made, upgraded rewards and bonuses are given per level.