All money transfers to the addressee are carried out in real time mode (on-line). 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. RIA Money Transfer (RIA Envia) is the American system of money remittances, it is very democratic and intended only for international money transfers.