MT799 RWA Issuance Services

Many trade, project, and supply contracts require the buyer to show credible proof of funds before the counterparty will allocate volume or sign final terms. At the same time, buyers and sponsors are often still closing their own funding lines. They need a controlled way for a bank to confirm that a liquidity provider stands behind them without issuing a guarantee or standby letter of credit at that stage.

An MT799 RWA message is one way to meet that requirement when used properly. It is a non committal bank to bank communication that signals readiness to consider funding a specific transaction. Financely supports clients with real underlying deals by arranging engagement with liquidity providers and their relationship banks so that a proof of funds message can be considered under strict KYC and documentation standards. Our pricing typically ranges from USD 3,000 to USD 20,000 per million of indicative face value, subject to minimums and a full file review.

What An MT799 RWA Actually Is

MT799 is a free format SWIFT message used for communication between banks. In commercial trade, an MT799 RWA (Ready, Willing, and Able) message is used to signal that a client has a relationship with a bank or liquidity provider and that, subject to conditions, that provider is prepared to review and support a defined transaction.

It is essential to keep the limits of this tool clear.

Any provider claiming that an MT799 by itself can be monetised, leveraged at extreme levels, or treated as cash is not operating within normal bank practice. That type of offer should be treated as a warning sign.

When A Non Committal Proof Of Funds Message Makes Sense

MT799 RWA messaging has a place when there is a real commercial transaction and both sides want a clear signal from a bank before they commit to full closing. Typical use cases include:

• Commodity and trade contracts, where sellers require bank to bank confirmation that a buyer has access to trade finance lines before they ship or allocate volume.
• Project and equipment supply contracts, where EPC contractors or OEMs want comfort that funders are in place before they finalise long lead procurement or mobilisation.
• Structured credit and pre funding arrangements, where funders and sponsors agree on a framework and the seller wants to see a bank message before granting final approval or exclusivity.

In all cases the message supports commercial progress. It does not remove the need for formal funding approvals, security, or drawdown procedures.

How Our MT799 RWA Issuance Service Works

Financely operates as an advisory and coordination firm. We do not issue MT799 messages ourselves and we do not hold client balances. We work with established liquidity providers who instruct their own banks to send messages where they are comfortable with the file and counterparties.

Where the objective is to raise full funding after the proof of funds message, we can support a separate mandate for facility structuring and distribution. That work is governed by its own engagement terms and is not included in MT799 advisory fees.

Fee Structure And Commercial Terms

MT799 RWA work is sensitive. Each case involves real credit thinking, compliance checks, and negotiation with counterparties. Our fees reflect this and are quoted case by case once we have seen the file.

How The Proof Of Funds Is Issued In The Client's Name

A frequent question is how we arrange for a proof of funds message to reference the client rather than only the liquidity provider. The key point is that the underlying balances and credit lines remain under the control of the liquidity provider and their bank. The client does not receive custody of those funds. The relationship is documented instead.

Where a case passes screening and a liquidity provider is willing to proceed, they enter into a contractual arrangement with the client. That agreement sets out the purpose of the engagement, conditions, and limits. The provider then instructs its bank to send an MT799 message that references the client, the beneficiary, and the transaction. The message confirms that the provider is ready, willing, and able to consider funding the transaction for the benefit of the named client, subject to the conditions stated.

The balances backing that statement remain on the liquidity provider's side. The client receives comfort through the bank to bank message and the contract with the provider, not through direct access to the account that supports the message. This structure allows the proof of funds to be issued in the client's name without misrepresenting where funds sit or who controls them.

Why Work With Financely Rather Than Mass Market POF Sellers

The internet is full of offers that promise MT799 messages within days, extreme leverage ratios, and quick monetisation. Most of these are detached from real banking practice and expose clients to reputational damage or worse. Our approach is conservative by design.

• We only work on transactions tied to real trade, project, or commercial activity with identifiable counterparties.
• We maintain clear boundaries on what MT799 can and cannot confirm, and we refuse to dress it up as a guarantee.
• We deal with liquidity providers that have genuine relationships with regulated banks, not shell structures that cannot withstand basic diligence.
• We set terms and fees in writing through an engagement letter, with no side deals, hidden charges, or verbal promises.

This means we turn away a large number of enquiries. Clients who expect guaranteed approvals, monetisation platforms, or free trial messages are not a fit for our service.

FAQ: MT799 RWA Proof Of Funds

Is an MT799 RWA a guarantee or SBLC?

No. An MT799 RWA is a non committal bank message. It signals that a liquidity provider and its bank are prepared to consider funding a transaction, subject to full approval and documentation. It is not a payment guarantee, bank guarantee, or standby letter of credit and cannot be enforced as such.

How do you manage to have the proof of funds issued in my name?

We do not move balances into your control. Instead, a liquidity provider that controls its own funds enters into a contract with you. Based on that contract and the approved structure, the provider instructs its bank to send an MT799 that references you, your counterparty, and the transaction. The message confirms the provider is ready, willing, and able to consider funding on your behalf, subject to the stated conditions. The funds stay with the provider. Your name appears in the message and in the contractual documentation.

How long does the MT799 process take?

Timelines depend on file quality. If contracts, KYC documents, and requested wording are complete and realistic, initial feedback can be relatively quick. If information is incomplete or high risk, the process will slow down or stop. No responsible bank or provider will commit to fixed timelines before full review.

Can you guarantee that an MT799 will be issued if I pay the fee?

No. Our fees cover advisory and coordination work. The decision to issue any message rests entirely with liquidity providers and their banks after they complete their own credit and compliance checks. Paying our fee does not create any right to a message, funding, or approval.

Can I monetise the MT799 or use it as collateral elsewhere?

We do not support that approach. MT799 messages are not transferable instruments and should not be presented as stand alone collateral. They are designed to support specific transactions between identified parties. Any monetisation scheme that treats MT799 as a tradeable asset is misusing the message.

Are your fees refundable if my counterparty does not accept the MT799?

No. Our work relates to preparing the file and working with liquidity providers and banks to seek an MT799 issuance. We cannot control how your counterparty reacts to a message. Advisory and coordination fees remain due regardless of their decision to accept or reject the format.

Disclaimer: This page is for general information only and does not constitute legal, tax, investment, financial, or regulatory advice. Financely is not a bank, securities firm, broker dealer, credit institution, or money services business. Financely does not send SWIFT messages and does not hold client funds. Any MT799 RWA or other bank communication referenced here is issued, if at all, only by regulated liquidity providers and their banks under their own licences, internal approvals, and documentation. Fees described on this page are advisory and coordination fees and are not success fees for funding. No outcome, approval, or message can be guaranteed. All engagements are subject to internal approval, KYC and AML checks, sanctions screening, conflict review, and a signed engagement letter. Clients must obtain independent legal and tax advice before entering into any transaction or relying on any bank communication.