Trade Finance SWIFT Guides

Trade finance SWIFT guides are paid educational packs that explain what MT199, MT799 and MT760 messages are, and what they are not. They also flag fraud patterns around KTT and similar claims. Financely does not send, lease, or arrange those messages. Packs are quoted from USD 2,000, up to USD 100,000 or more, by scope.

What do the SWIFT guides cover?

The guides cover the ordinary use of MT199, MT799 and MT760 in bank-to-bank communication, the limits of each message type, and the red flags in scripts that treat a message as cash, as a guarantee, or as a traded asset. They are written for companies that have been shown a procedure and need a sober reading of it.

The public explainers remain live and should be read first. Use the complete MT799 guide, the page on what MT199 is used for, and the MT760 guide to guarantees and standbys. The paid pack is for a structured briefing or for comments on a specific script you have been sent, not a second public encyclopaedia.

MT760 is the message type commonly associated with the issuance of a guarantee or a standby once a bank has approved the credit and agreed the wording. It is still a message, not a product you can buy from an arranger who does not issue. This pack will not sell an MT760, and it will not treat a promised MT760 as proof that a facility exists.

What these messages are not, and which claims are red flags?

These messages are not cash, not a traded security, and not a substitute for a credit relationship. A party that asks you to pay an upfront fee to receive an MT799, a 'funded' MT760, or a KTT transfer is showing you a script, not a bank process. Treat that as a reason to stop, not to buy a message.

Common warning signs include: a procedure that starts with a paid message rather than KYC and a credit file; claims that a free-format message is already 'cleared funds'; a request to download a platform or a 'key test' file; and any offer to lease an instrument that will then be monetised. The blog posts on KTT and IPIP red flags and fake downloads and upfront fees set those patterns out in more detail.

How is the guide pack priced, and how do you request it?

Packs are quoted from USD 2,000, up to USD 100,000 or more, by scope. A standard educational briefing sits at the lower end. A review of a specific procedure, email chain or draft message is quoted on the facts. The quote is agreed before delivery. The price never includes the sending of a message.

Request the pack through Submit Your Deal and attach the script you have been sent, with the names of the parties and any fee already demanded. If what you actually have is a real trade file, say so and consider the trade finance eligibility check first. The published USD 500 intake is paid on Start Your Engagement.

This pack is also listed on the document packs hub. It should not be bundled, in copy or in schema, with an issuance or payment service that Financely does not provide.

What Financely will not do with SWIFT or telex-style messages

Financely will not send, receive for you, lease, or arrange MT199, MT799, MT760 or KTT messages. It will not monetise paper instruments or sell a proof-of-funds message. It will review a bankable file and, where mandated, advise or arrange with bankable counterparties. That is the limit of the offer.

If your enquiry is only 'can you send an MT799' or 'can you receive a KTT', the answer is no, and the eligibility screen will also be a decline. If your enquiry is a real contract that happens to involve bank messages later in a genuine issuance or payment process, start with the file, not with the message type.

Frequently asked questions

Will Financely send an MT199, MT799, MT760 or KTT message for me?

No. Financely does not send, lease, or arrange those messages. The SWIFT guides are educational products that explain what the messages are and are not, and that flag common fraud patterns. If you were offered a paid message as a substitute for a bank relationship, treat that offer as a warning sign.

What is an MT799 in trade finance?

MT799 is a free-format SWIFT message used for bank-to-bank communication. It can carry a pre-advice or a commentary, but it is not a payment, a guarantee, or a standby. A longer explanation sits on the live MT799 SWIFT message guide. Buying this pack does not cause any message to be sent.

What is an MT199?

MT199 is a free-format message in the customer payment series. Like MT799, it is a communication tool, not a cash movement and not an instrument. The live page on what MT199 is and how it is used remains the public explainer. This pack adds structured notes and red flags, not a sending service.

Is KTT a SWIFT message type?

No. Key-tested telex is an older telex concept. In modern sales scripts it is often used to dress up a fraud. Read the educational posts on KTT and IPIP scam red flags and fake KTT downloads and upfront fees before you pay anyone to receive such a transfer.

How are the guides priced?

Educational SWIFT guide packs are quoted from USD 2,000, up to USD 100,000 or more, by scope. A standard briefing sits at the lower end. A tailored review of a script you have been sent is quoted on the facts. The quote is agreed before delivery. No message is included in the price.

What should I do if I have a real trade file?

Submit the file and, if you want a bankability view first, buy the trade finance eligibility check for the published USD 500 intake. Do not start with a request for an MT799, a proof of funds message, or a KTT receipt. Those requests are declined, whether or not you also buy a guide.