All money transfers to the addressee are carried out in real time mode (on-line). 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. The main advantage of the money trtansfer system RIA Envia are moderate client fees and extremely wide geography of a offices. Payment of transfers. Payment is made in cash in U.S. dollars, but you can get transfer also in Euro. Conversion of funds will then be made at the bank rate at the date of receipt of the transfer. Rates RIA Money Transfer. Cost of service is 2%-3% from the transfer amount.