IPIP, IPID, S2S, and DTC Transfers
Ghost Funds: Why Bankers Can’t Find Them and How You Can Expose the Sham
1 The Pitch
Promoters dangle eye-watering balances—often USD 500 billion—allegedly held on a “private platform” and ready for release via IPIP, IPID, DTC cash wires or S2S links. No underwriting, no project diligence, just a fee to “locate” and “download” the money. The story ends with empty inboxes and drained retainers because the funds never existed.
2 Why Real Banks Draw a Blank
- No ledger entry – Balances that size would hit regulatory reports and central-bank reserve calculations immediately. They don’t.
- No correspondent trail – Every genuine cross-border payment moves through a SWIFT BIC visible on swift.com. Ghost-fund issuers cite rails no clearing system recognises.
- No audit footprint – IFRS and US-GAAP require disclosure of material cash holdings. These billions appear in no published accounts.
- No sanctions screening record – Large transfers trigger automated AML checks. Compliance logs are silent because nothing flowed through the pipes.
3 Three Questions That Collapse the Deal
- Send an MT199 pre-advice from your bank to mine—no PDF, no screenshot, just straight SWIFT traffic.
- Produce audited financials showing the cash or its pledged collateral.
- Name the correspondent that will debit its nostro and provide a contact we can call on recorded lines.
4 Telltale Red Flags
- First tranche conveniently starts at exactly USD 1 billion.
- Proof of funds delivered through Dropbox, Google Drive or chat apps.
- Payment rail acronym appears nowhere in central-bank, SWIFT or clearing-house manuals.
- Fee demands land before any bank-to-bank interaction.
- Promoter refuses escrow, insisting funds are “already allocated”.
5 Legitimate Capital Flows Use Recognised Rails
Private-credit funds, corporates and sovereigns move billions daily—via SWIFT MT103/202 with matched cover, Fedwire, CHIPS, TARGET2, or SEPA. Balances are verifiable, counterparties are licensed, and collateral is perfected under governing law. Anything outside that framework is not capital; it is fiction.
The Facts
No banker will ever “locate” ghost funds because there is nothing to find. Ask for a real SWIFT message, audited numbers and a correspondent reference. The silence that follows is your answer—walk away before the upfront fee does.
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