When sending money or receiving a payment via RIA Envia a client wants to open the bank account, such account is opened by for free. All money transfers to the addressee are carried out in real time mode (on-line). RIA Financial Services Company is a part of Euronet group and has a network of more than 100,000 agent locations in 120 countries across Europe, America, Asia and Africa. RIA was founded in 1987 and it is today is one of the largest money transfer company in the world, with a global agent network.