IPIP and IPID Transfers Are Not Real Banking Systems
Claims referencing “IPIP” or “IPID” transfers often describe a private system that allegedly moves funds instantly between “platforms” or “heritage accounts.” These codes have no basis in modern banking. Neither the Bank for International Settlements, SWIFT, nor any central bank recognises IPIP or IPID as valid settlement networks. Transactions presented under these names are fabricated and cannot clear through regulated systems.
What IPIP and IPID Promoters Claim
| Term | What They Promise | The Reality |
|---|---|---|
| IPIP (Inter-Platform Instant Payment) | Instant value transfers between global “platforms” outside SWIFT | Non-existent. There is no regulator, clearing house, or central bank connected to such a system. |
| IPID (Inter-Platform Instant Deposit) | Immediate posting of large balances to any account with special access | Impossible. Ledger entries only arise from verified SWIFT or domestic payment messages. |
| Private Heritage or Redemption Accounts | Unclaimed historical funds allegedly accessible through IPID/IPIP channels | Fraudulent. No major bank or treasury holds such off-ledger accounts for private release. |
Typical Warning Signs
- References to secret or “sovereign” accounts and massive balances in trillions
- Requests for advance fees to “unlock” or “activate” a transfer
- No audited financials, no bank contact, and no SWIFT message
- Emails sent from personal domains or generic addresses instead of regulated institutions
- Vague documents with bank logos but no verifiable signatories or references
Why These Schemes Persist
Fraud networks reuse outdated banking terms and create acronyms that sound technical. They rely on urgency, confidentiality, and the illusion of privileged access. Professionals are misled when they mistake elaborate PDFs for bank-issued documentation. Real settlement requires authenticated messages and reconciled ledgers. Anything outside that process is fiction.
Recognised Ways to Raise Capital
- Private credit facilities with regulated lenders and credit funds
- Structured finance secured by receivables, inventory, or confirmed offtakes
- Equity participation for project sponsors through institutional investors
- Bank-issued standby letters of credit or demand guarantees under ISP98 and URDG 758
Raise Verified Capital Through Regulated Channels
IPIP and IPID transfers do not exist and cannot move funds. Financely arranges legitimate funding through regulated banks, private lenders, and institutional investors who operate under clear compliance and audit frameworks.
Submit Your DealFrequently Asked Questions
Are IPIP or IPID recognised by any bank?
No. There are no references to IPIP or IPID in any central bank payment system documentation or SWIFT manuals.
Can funds be sent through IPIP/IPID outside SWIFT?
No. All legitimate transfers occur on recognised payment networks such as SWIFT, Fedwire, CHIPS, TARGET2, CHAPS, or SEPA.
Is there any real-world example of IPIP or IPID clearing?
None. Every claim of IPIP or IPID clearing has collapsed under verification because no bank system recognises these codes.
How do real institutions raise or move capital?
Through regulated private credit, structured debt, or equity transactions backed by audited documentation and transmitted via recognised rails.
What should you do if offered an IPIP/IPID deal?
Do not send fees or documents. Contact Financely or your bank’s compliance team before taking any action.
Financely provides professional advisory and capital placement services. We do not process IPIP, IPID, or other unverified transfer claims. All engagements are handled under full KYC, AML, and regulatory standards with traceable settlement through recognised banking systems.
