I think the counterpart of muncha money transfer in USA is an Indian-national owned financial company. I have used muncha before, and the money reached to Nepal without a problem. I also received a call from Indian national while the transaction was awaiting verification. The guy explained me that his company is the actual money-transfer company that has the legal permission in USA, and muncha is a local agent for Nepal.  Muncha might not have its own legally established branch in USA.