I used RIA the other day. I sent myself $200 then $500 to check out their system. I went through their one time verification system which is much like Paypal's but very easy. I received the money in dollars at Caribe Express. I was charged $2.00 for each transfer. Yes....$2.00. The charge to send $2000.00 is $2.00 !!!. This is from a U.S. bank account for cash pick up here in the D.R. The transfers took 6 days, unlike Xoom's 15 minutes. I am in no hurry. Pura Vida