When sending money, a client has to take into account transfer time to the point of transfer payment and in general the difference in time on different continents. 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. In order send or receive wired money transfer via RIA Money Transfers neither the recipient nor the sender doesn't have to have any bank accounts. In 2012 RIA launches www.riamoneytransfer.com allowing consumers to send money transfers online from the US and opens its hub in Santiago de Chile. The system of RIA Money Transfer works according according to the principles "speed, reliability and accuracy" in the implementation of money transfers.