Debunking the Myth of IPIP, IPID, S2S, and DTC Transfers

It’s amazing how often we’re approached by people claiming they control billions in funds, locked away in some fantastical “server-to-server” or “offline network” arrangement. They promise massive payouts—20% or more—to anyone who can “download the funds.” We humor them, of course, but these encounters always unravel into the same absurd theater.

A Dropbox Full of Billions

One particularly memorable example involved a Dropbox link. The sender proudly shared it, claiming it contained the “necessary documents” to access their billions. What did we find? Doctored PDFs supposedly signed by the CFOs of HSBC and Deutsche Bank. Except there was a slight issue—they weren’t even the current CFOs. A quick visit to the banks’ websites could have revealed the correct names, but attention to detail isn’t exactly a hallmark of these schemes.

When we pointed out the obvious flaws, the sender doubled down, insisting all we had to do was “download the funds.” Download the funds? You mean download your shoddy PDF documents? The absurdity would be funny if it weren’t such a colossal waste of time.

The Pattern of Nonsense

These claims always come from the same crowd—people talking billions but unable to produce even basic proof of wealth. We’ve seen Senders unable to pay for their own hotel bills, arriving in jeans with holes, unkempt, and reeking of desperation. They ask for suits, plane tickets, or petty cash to cover expenses because their “billions” are supposedly locked in some server.

When placed in front of real attorneys, bankers, or investors, these individuals always crumble. They either can’t pass a simple KYC check, have no legitimate source of funds, or are exposed by their own amateur attempts to fake credibility.

The Fantasy World of Fabricated Billions

Documents filled with phrases like “Farm 42” and “IPID transfers” sound impressive to the uninformed but mean absolutely nothing. This isn’t how banking or finance works. These schemes rely on jargon to confuse their audience while their proponents spin fantasies about nonexistent billions stored in systems only they can access.

How Real Transactions Work

For anyone genuinely looking to deploy billions into investments like infrastructure projects, hotel acquisitions, or trade finance, here’s what actually needs to happen:

1. Proof of Funds and KYC:
2. Start with verifiable bank statements, escrow confirmations, or official letters from regulated institutions.
3. Complete rigorous KYC checks to ensure compliance with anti-money laundering laws.
4. Engage Professionals:
5. Retain experienced attorneys, investment bankers, and financial advisors to structure the deal and validate the source of funds.
6. Identify Credible Opportunities:
7. Projects in our pipeline include trade finance, project finance, and M&A opportunities—some credit-rated by Moody’s, all with detailed offering documents.
8. Due Diligence:
9. Both parties must conduct thorough due diligence to confirm project viability and fund legitimacy.
10. Establish a Legal Framework:
11. Contracts, escrow accounts, and regulatory filings are mandatory to protect all parties and ensure lawful execution.
12. Execute the Transfer:
13. Funds are transferred through recognized systems like SWIFT or RTGS, not imaginary “server-to-server” channels.

This process is standardized, transparent, and legitimate. Anything else is a farce.

Prove It or Save It

The location of the claimed funds—whether on a server, in gold bars, or elsewhere—is irrelevant.

What matters is that the funds are real, verifiable, and accessible. Meeting these basic criteria allows capital to flow into meaningful investments with professional support. Without this foundation, unverified claims and fabricated documentation only serve to waste time and credibility.

The rest? It’s just farting against thunder.

Below is an example of a bogus transaction.

How to Spot a Bogus Transaction Without Wasting Time

Bogus transactions often promise access to billions for “project development” with little to no due diligence or credible processes. These deals fall apart under scrutiny, but they waste countless hours for those involved. Below are clear red flags to help you identify and avoid these time-draining schemes:

• No Investment Committee Review
• Claims of transferring billions for project development without requiring a detailed project review by an investment committee or due diligence team are a massive red flag.
• No Proof of Wealth
• The party cannot produce verifiable proof of funds, such as bank statements, escrow confirmations, or tangible evidence of assets.
• Inability to Afford Basic Expenses
• Individuals claiming to manage billions but unable to pay for a single night at a decent hotel or maintain professional appearances. Their excuse? “Appearances are deceiving.”
• No Tangible Assets
• They can’t point to real-world assets under their control—no real estate, no investments, no businesses, nothing that corroborates their claims.
• Unrealistic Transfer Offers
• Promises of transferring billions without any logical process, governance structure, or documented authorization.
• Fabricated or Generic Documentation
• They provide incomplete or generic documents with no legal weight, often full of grammatical errors or unverifiable signatures.
• No Verifiable Process
• They skip over standard investment procedures, such as KYC, AML compliance, or legitimate fund transfer protocols like SWIFT or RTGS.
• Evasive About Project Viability
• They show little to no interest in the specifics of the project they’re supposedly funding. No questions about ROI, risk mitigation, or scalability.
• Relying on Fantasy Terminology
• Buzzwords like “server funds,” “offline banking,” or “IPID transfers” are used to distract from the lack of legitimacy.
• Lack of Professionalism
• They communicate using free email accounts, show up underdressed, and exhibit no understanding of professional decorum, even in critical meetings.
• No Access to Credible Teams
• They have no access to bankers, legal counsel, or advisors who can validate their claims.
• Focus on Appearances Over Substance
• They’ll tell you “appearances are deceiving” as an excuse for their inability to provide proof of assets, but it’s usually just a way to distract from their lack of credibility.



Real transactions involve rigorous due diligence, clear processes, and verifiable parties. If someone offers billions without so much as an investment committee review, tangible assets, or the ability to pay for a night at a decent hotel, it’s a waste of time, plain and simple.