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In real trade and project deals, banks do not jump straight from a term sheet to final settlement. There is an intermediate step where banks confirm intent, readiness, and key transaction references to each other in an authenticated way. MT799 sits in that space. It is a SWIFT message used for bank-to-bank confirmations before cash moves or instruments are issued.
Many counterparties hear about MT799 through careless intermediaries and fake “monetization” pitches. That noise hides the simple truth. MT799 is a coordination tool inside genuine transactions. It is not an asset, not collateral, and not a yield product. If you need the broader context on how deals actually get placed, start with how trade finance distribution works.
MT799 is an authenticated SWIFT message used by banks to confirm intent, facilities, or key references before an SBLC, a bank guarantee, or a documentary credit goes live. It carries information and comfort, not money. Any party promising to “monetize MT799” is not describing trade finance.
MT799 is a SWIFT Category 7 free-format message used for bank-to-bank communication. The content is not a fixed template, so banks agree on the wording and references based on the transaction. The core point is authentication: it travels over SWIFT between regulated entities using their BICs, which is why counterparties treat it as more credible than emails or screenshots.
In practice, MT799 is used to:
What MT799 is not: It is not a payment instruction. It does not move funds. It is not a substitute for an SBLC, a documentary letter of credit, or a bank guarantee.
MT799 commonly appears after commercial terms are agreed and before a binding instrument is transmitted. For standby issuance, the binding message is usually MT760. For documentary credits, the binding issuance message is MT700, explained in the context of a documentary letter of credit.
Related: full guide to letters of credit and full guide to SBLCs.
If you are being sold “paper” narratives, read why no-upfront-fee issuance claims fail.
MT799 appears when banks are trying to reduce execution risk at the last steps of a transaction. It gives comfort to the seller, lender, or counterparty without forcing a binding instrument to be issued before conditions are satisfied.
MT199 and MT799 are both free-format messages, which is why they get mixed up. The difference is practical: MT199 is often used as general correspondence, while MT799 is typically used when the sending bank expects the counterparty to rely on the message as part of a closing sequence.
| Message | Purpose | Typical Use |
|---|---|---|
| MT199 | Generic free-format correspondence | Clarifications, operational notes, and informal pre-advice |
| MT799 | Authenticated comfort or stated intent tied to a pending transaction | Bank-to-bank confirmation before issuance of MT760 or a documentary credit |
MT799 does not move funds and cannot be presented for payment. It is an authenticated statement from one bank to another at a point in time. In practice, counterparties take it seriously, but legal effect flows from the final instrument, not from the preliminary message.
MT799 is commonly subject to:
If you are structuring credit enhancement, read how SBLC pricing works and compare instrument types in SBLC vs bank guarantee.
MT799 shows up in fake trade narratives because it sounds technical and many corporates have not worked directly with SWIFT issuance sequences. A few rules filter nonsense quickly.
Related reading: what a trade finance underwriting memo includes.
Financely uses MT799 only inside genuine trade, project, and structured credit transactions. We treat it as a coordination tool between regulated counterparties, not as a service sold on its own. If you need to understand where distribution fits, see trade finance distribution.
Practical boundary: if the transaction has no identifiable contract, no defined beneficiary, no delivery plan, and no bankable counterparty set, MT799 talk is usually a distraction. see why banks tighten issuance and why banks reject trade finance deals.
No. MT799 is a bank-to-bank SWIFT message. Your company is the underlying client, but the message moves between banks. Your relationship bank can confirm whether it received or sent MT799 and may provide a bank letter reflecting the content.
No. It is often a strong signal, but it is typically conditional on KYC, AML, sanctions screening, credit approvals, and documentation. The binding effect comes from the final instrument such as MT760 or a documentary credit issuance message.
It can provide comfort to a counterparty, but it does not replace basic financial disclosure. Serious sellers and lenders still request financials, bank statements, and a defined issuance path. If you need formal evidence, see Proof Of Funds.
If your counterparty is asking for bank-to-bank comfort before they ship goods, release documents, or commit to a facility, you need a controlled sequence that ends in a genuine instrument. We can help structure the deal and coordinate the bank workflow, including MT799 where it genuinely fits.
Disclaimer: Financely acts as advisor and arranger via regulated partners. We do not custody client funds and we do not issue SWIFT instruments. All messaging and instruments are subject to underwriting, credit approval, KYC, AML, sanctions screening, legal documentation, and counterparty approvals. This page is for a professional audience and is not an offer of credit, guarantees, or securities in any jurisdiction.
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