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). The strategy of RIA Money Transfers was aimed on developing of a system of international money transfers, insuring and helping migrant workers to transfer money home. Ria MoneyTransfer agent network includes over 10,000 branches in 74 countries, among which are almost all major countries from Europe (except Belgium), and America.