KTT, S2S, IPIP, IPID Transfers Verification & Fraud Screening
KTT / S2S / IPIP / IPID “Transfers” Are Fake — We Write the Memo That Ends It
You’re getting pitched “KTT”, “Server-to-Server”, “IPIP”, “IPID”, “screen-to-screen” transfers with screenshots and impossible balances. It isn’t banking. It isn’t money. It won’t settle. We call it as it is and hand you a two-page fact memo so you can shut the conversation down—cleanly, in writing.
If a “transfer” isn’t on recognized rails, it’s fake. We don’t role-play, we don’t “simulate call-backs,” and we won’t sit on Zoom to admire screenshots. We verify the claims against how money actually moves. Then we write the memo.
The only hard rules that matter
| Rule | Explanation (plain English) |
|---|---|
| Money moves on recognized rails | SWIFT MT/ISO messages, central-bank RTGS (Fedwire/CHAPS/TARGET2/etc.), or regulated domestic systems (SEPA/CHIPS/ACH/FPS/NPP). That’s it. |
| Screenshots are not settlement | “Private screens,” PDFs, and web mockups don’t create value. If your bank can’t see it on its own ledger, it doesn’t exist. |
| Old jargon isn’t a rail | “KTT” (Key Tested Telex) died with telex. Modern banks don’t use it to move value—period. |
| Free-form messages aren’t cash | MT799/“pre-advices” don’t settle funds. Value moves on MT103/202 (or ISO equivalents) and reconciles end-to-end. |
What they claim vs reality
| They say | Reality |
|---|---|
| “KTT/S2S/IPIP/IPID is faster than SWIFT.” | No such banking rail. If it isn’t SWIFT/ISO, RTGS, or regulated domestic, it’s theatre. |
| “Balance screenshots prove funds.” | Settled money leaves an auditable trail on bank systems. Screenshots are props. |
| “We’ll send ‘proof’ now; value later.” | Non-value messages aren’t payment and can’t force a bank to pay. |
| “Unlock fee first.” | Classic fraud. Legitimate transfers don’t need ransom to “unblock.” |
Immediate walk-away signals
| Red flag | Why it’s bogus |
|---|---|
| Unregulated or “ghost” banks | No BIC, no regulator, no correspondents = no clearing access. |
| Refusal to name the rail | Because there isn’t one. Real rails are public and standardised. |
| Telegram/WhatsApp “operations rooms” | Real banks don’t run settlements on chat apps. |
| Server logins / “sandbox demos” | UI theatre. Banking is ledgers and messages, not web skins. |
Our service (short, sharp, final)
| Step | What we do | Deliverable | Timing |
|---|---|---|---|
| 1) Intake | Collect the pitch, names of “banks,” any documents/screens | List of gaps and obvious impossibilities | 1–2 business days |
| 2) Verification | Check against actual rails, message formats, and registries | Pass/Fail on each claim (most fail) | 1–2 business days |
| 3) Memo | Write a two-page fact memo you can forward internally or to the counterparty | PDF with citations, conclusions, and a one-line verdict | Next business day |
No “bank call-back,” no role-play, no Zoom theatre. We don’t pretend. We verify and document.
Pricing
| Service | What you get | Fee |
|---|---|---|
| KTT / S2S / IPIP / IPID Verification | Two-page fact memo (PDF) that states the fraud indicators and the final verdict | USD 5,000 flat |
Do not send us (or accept) any of this
| Item | Reason |
|---|---|
| “Private bank screens” or edited PDFs | Not evidence. Easy to forge. Not settlement. |
| “RWA/pre-advice” letters as proof of funds | Comfort language isn’t cash. It never was. |
| Requests to pay “unlock” or “activation” fees | Fraud pattern. Decline immediately. |
| Invites to “join our operations group” on chat apps | Real rails don’t run on group chats. |
If it isn’t SWIFT/ISO, RTGS, or a regulated domestic rail, it’s not money. Call it fake, get our memo, and move on with your day.
Send the pitch and any files you were given. We’ll verify and issue the two-page memo so you can shut it down with facts.
Order the Verification Memo (USD 5,000)Financely Group is an advisor and arranger, not a bank. We do document-based and standards-based verification only. We do not access live banking systems, and we do not engage with unregulated “banking” platforms. Our memo is designed for executive decisions and to brief internal risk or counsel.
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