MT799 RWA gets requested in a lot of commodity conversations as if it were a product you can order before anything is funded, approved, or mobilized. That expectation is wrong and it is the fastest way to spot a non-execution-ready party.
In real deals, proof of funds is the result of a funding plan that is already deliverable. The wording comes late, after the file has been screened and underwritten. The “verbiage problem” is usually a made-up issue used to delay mobilization.
MT799 is commonly described as a “free-format” information message used within SWIFT MT standards. It is narrative-driven. It does not transfer value and it does not, by itself, create an enforceable obligation to a beneficiary.
Reference points: SWIFT standards documentation and trade finance reference material published by major banks. See links in the Sources section below.
“RWA” is typically used to mean “Ready, Willing, and Able.” It is a label parties attach to the narrative to signal readiness, usually subject to conditions, approvals, and documentation.
The presence of confident language does not override KYC, AML, sanctions screening, credit policy, or documentary requirements.
A bank or regulated counterparty cannot responsibly “confirm” capacity for a transaction that has no funded backbone. Before any proof of funds message is even worth discussing, the client needs a real mobilization path.
If the structure requires cash support, it must be in place or clearly deliverable:
If the funding plan is credit-based, capacity must be real, not aspirational:
In bankable execution, wording is not the first step. It is a late-stage output. Drafting comes after onboarding and underwriting, because the message content depends on what the underwriter can defend.
The verbiage is also rarely the real issue. It can be non-committal or more committal if the lender agrees, and it remains subject to underwriting, approvals, and documentation. What kills the process is “verbiage ping pong” by parties who have not mobilized the capital needed to back the transaction.
If you want to keep the transaction inside a credible, compliant process, this is the order:
Sale contract status, commercial terms, jurisdictions, counterparties, and timeline. No file, no process.
Beneficial ownership, business profile, and screening across parties and relevant touchpoints. Regulated execution starts here.
Margin plan, escrow plan, facility plan, collateral plan, and evidence that funds are deliverable within the timeline.
Credit review, controls, documentary requirements, and approval pathway. This is where reality is confirmed.
If MT799 RWA is appropriate, it is drafted within bank constraints, routed through controlled channels, and aligned with the counterparty.
Controlled delivery, follow-on instruments where needed, and operational go-live with the agreed controls.
Broker jokers and wanna-be traders with no mobilized capital often try to turn MT799 into a substitute for funding. The pattern is consistent:
That is not a negotiation about wording. It is a refusal to do the real work: mobilize the capital that backs the trade.
The structure and tone can be standardized since it is a free-format narrative and many institutions use similar styles. The content still must remain accurate and compliant for the specific file.
No. “Blocked funds” is an account control concept. It requires controlled documentation and bank-side controls. A narrative message does not create or prove a funds restriction by itself.
Rarely. In properly run files, wording is agreed between parties and aligned to what the lender will support, subject to underwriting and approvals. The common blocker is missing mobilization, not wording.
Counterparties and transaction status, jurisdictions, a KYC pack, a defined capital mobilization plan (equity, margin, escrow, facility), and a timeline that matches what can actually be executed.
We prefer primary sources and bank-grade reference material:
If you need MT799 RWA support tied to a real mobilization plan, we can underwrite the file, define the controls, and coordinate drafting and bank-side workflow through regulated counterparties. Share counterparties, jurisdictions, contract status, required amount, and your capital mobilization plan.
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