IPIP, IPID, S2S, and DTC Transfers
Ghost Funds: Why They Cannot Be Verified
1. The Sales Pitch
Promoters often present extraordinary balances, sometimes quoted as USD 500 billion, allegedly held on private platforms and transferable via IPIP, IPID, DTC cash wires or S2S links. There is no underwriting, no project due diligence, only a demand for a fee to locate or release the funds. The result is always the same. The money does not appear and the initial fees are lost.
2. Why Banks Do Not Find Them
- No ledger entry: Balances of that size would appear in regulatory reports and central-bank reserve reconciliations. They do not.
- No correspondent trail: All genuine cross-border payments move through SWIFT BICs that are searchable on swift.com. Ghost-fund promoters cite payment rails that do not exist in clearing manuals.
- No audit footprint: IFRS and US-GAAP require disclosure of significant cash holdings. These alleged billions are absent from any audited accounts.
- No AML or sanctions record: Legitimate transfers of this size trigger automated compliance logs. No such records exist because no money moved.
3. Questions That Expose the Truth
- Request an MT199 pre-advice from the sender’s bank to your own. No screenshots, only verifiable SWIFT traffic.
- Ask for audited financial statements showing the cash or collateral backing it.
- Request the name of the correspondent bank debiting its nostro, with a compliance contact on recorded lines.
4. Red Flags That Repeat
- First tranches always begin at exactly one billion dollars.
- Proof of funds sent via file-sharing or chat platforms instead of authenticated banking channels.
- Acronyms and codes that appear in no regulatory or clearing-house documentation.
- Fees requested before any verifiable bank-to-bank communication.
- Refusal to use escrow, justified with claims that funds are already allocated.
5. What Real Capital Flows Look Like
Institutional investors, corporates and sovereigns transact billions daily using verifiable payment systems such as SWIFT MT103 or MT202 with cover, Fedwire, CHIPS, TARGET2 or SEPA. Balances can be reconciled, institutions are licensed, and collateral is properly recorded. Transactions that do not fit this framework are not capital. They are fiction.
Facts to Remember
There is nothing for bankers to locate. Ghost funds do not exist in any recognised ledger. If no SWIFT message, no audited accounts and no correspondent confirmation are available, the proposal is fraudulent. Silence after these requests is your answer. Avoid paying any advance fee.
For clients seeking legitimate structures, Financely arranges SPV formation and bank account setup for USD 62,500. This includes entity creation, compliance onboarding and account opening with an appropriate banking partner.
Request a Compliance Review
If you are approached with offers involving ghost funds, IPIP, IPID or S2S transfers, submit the details to our compliance desk. Our team will provide a professional assessment before any funds are committed.
Submit for ReviewFinancely acts as an advisor and placement agent. We do not process or receive unverified funds. All engagements are subject to compliance checks, due diligence and executed documentation. Professional service fees for SPV and account setup begin at USD 62,500.
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