Short answer: a “Key Tested Telex” (KTT) message is not illegal by itself. It is a relic from the telex era. The problem is simple. Modern banks do not settle funds off a telex-style note. Anyone with a telex gateway and an offshore shell can blast a message that claims to move hundreds of millions. Those messages are not backed by cash or correspondent balances, so they never post as cleared money.
KTT refers to key-tested telex instructions used decades ago to communicate between banks. Operators compared a short authentication code book to verify a message. It worked when volumes were small and counterparties knew each other. Today, global banking uses authenticated networks and straight-through processing. Telex is museum tech.
A telex-style note does not move balances between banks. It is just text. Without real balances and proper authentication, nothing lands in a usable account.
If a transfer cannot be reconciled to a debit of the sender’s correspondent balance and a credit of the receiver’s balance, it is not a transfer. It is a note with no cash behind it.
Brokers sometimes believe these files are real. Our experience is the opposite. They fail KYC immediately and there are no funds behind the claims.
We form SPVs, open accounts at regulated banks, and support legitimate capital raises and payments. We do not attempt to receive or clear KTT or similar messages and we do not promise the arrival of funds that do not exist.
If you need an SPV, a regulated account, or support on a legitimate raise, we can help. If your plan relies on KTT, IPIP, IPID, L2L, or MT103 “One Way,” do not send it.
Contact UsWe act as arranger and advisor through regulated partners. We do not hold client funds. All services are subject to KYC, AML, and sanctions screening. We do not attempt to receive or clear KTT, IPIP, IPID, L2L, or MT103 “One Way” messages.
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Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
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Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
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Get financed on workable terms for closing. Submit the RFQ to start underwriting.
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Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
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Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagement may be carried out through Financely Group LLC, a non-deposit-taking non-banking financial company; Ashford Capital Advisory LLC; or another related entity. Financely and its affiliates are not registered as securities broker-dealers. When a mandate involves the purchase or sale of securities and a registered intermediary is required, all orders are introduced to and executed by a U.S. broker-dealer registered with the SEC and FINRA, acting as “chaperone” under SEC Rule 15a-6 (17 C.F.R. § 240.15a-6). Nothing here constitutes an offer, solicitation, or recommendation to buy or sell any security. Before proceeding, read our Terms of Service to confirm that engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate aligns with your legal and regulatory requirements.In the United States, we operate as an
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