We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
“KTT” stands for Key Tested Telex. It describes a legacy way of authenticating bank-to-bank messages from the telex era. In modern banking, message receipt is not the same as receiving funds. A bank can acknowledge a message, yet it will only credit an account once value has settled through a recognized payment route and has been reconciled on its books, with KYC, AML, and sanctions controls cleared.
When a counterparty asks “which bank accepts KTT transfers,” the question usually bundles two different needs into one sentence: (1) can a receiving institution accept an authenticated message, and (2) can funds settle into the beneficiary account. Many banks can support authenticated bank-to-bank communication, including legacy phrasing where it still appears in templates. Funds only become available after settlement posts through correspondent banking and the receiving bank completes internal controls.
The confusion often comes from treating a message format like a payment method. Message formats can be important for operational alignment, especially in trade workflows, counterparty onboarding, or legacy internal checklists. Still, settlement does not occur because a message exists. It occurs because the sending bank can settle through its correspondent network and the receiving bank can post and reconcile the incoming value.
| What banks require | What often gets presented instead |
|---|---|
| A named sending institution with verifiable regulated status | Unclear intermediaries, generic “desk” claims, or unverifiable documents |
| A described settlement route through correspondent banking | Message-only steps without a debit-and-credit chain |
| Reconciliable beneficiary details and payment references | Screenshots, stamps, and PDFs that cannot be reconciled to posting |
| Compliance clearance before funds are made available | Claims that “format” replaces compliance and controls |
If your objective is to receive a genuine incoming payment, focus on what a receiving bank needs to post funds, not just what it can read as a message.
If a counterparty is requesting a tested telex (KTT) message, we can route you to an appropriate regulated banking relationship and coordinate onboarding for a receiving account. Several banks can receive authenticated messages depending on their operations and counterparties. Funds availability still depends on settlement through correspondent banking arrangements, including active correspondent lines, reconciled ledger posting, and compliance clearance.
Fee: USD 6,500. Setup is subject to KYC, AML, sanctions screening, bank approval, and operational feasibility.
Request Account SetupA bank “accepting KTT” usually means it can receive and authenticate a message in some form. That does not mean it accepts KTT as a payment rail. Funds settle through correspondent banking arrangements and become available only after ledger posting, reconciliation, and compliance clearance. If your counterparty needs a tested telex receiving endpoint, request a regulated account setup and align the message leg with the settlement leg from day one.
This publication is provided for informational purposes only and does not constitute legal advice, financial advice, or an offer to provide banking services. Financely Group provides advisory, coordination, and routing services and does not hold client funds. Any engagement is subject to KYC, AML, sanctions screening, compliance review, and where applicable, third-party approvals. Banking services, including account opening and payment processing, are provided by regulated financial institutions under their own approvals and controls.
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Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
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Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
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