MT103 Senders and Receivers – Why This Narrative Makes No Sense
MT103 Senders and Receivers – Why This Narrative Makes No Sense
There is no such thing. MT103 is a SWIFT message that confirms a completed wire transfer. It cannot be sent or received in isolation, and cannot be monetized or “split” in legitimate finance.
Every week, new posts appear on LinkedIn, WhatsApp, and Telegram groups looking for “MT103 senders” or “MT103 receivers.” If you've come across them, understand this: the entire concept is fabricated. It has no basis in real finance, no credibility, and no executable structure. It’s a cycle of misinformation, driven by desperation, fraud, and fantasy.
What Is an MT103?
MT103 is a SWIFT message confirming that a wire transfer has been completed. It is generated after money has moved. It is not a transaction. It is not a tool. It is not a trigger for anything.
So when someone says they can “send an MT103” and you’ll “receive funds and share profits,” you should stop the conversation there. No underwriting, no structure, no capital flow—just fiction.
There’s No Money—Just Screenshots
Here’s how these deals work: the scammers generate a fake MT103 screenshot in the same font as SWIFT, slap on a fake bank logo, and claim they’ve sent $50 million. You see what looks like a real transaction, they start applying pressure—and then the fees start. “Compliance fees,” “intermediary fees,” “handling fees.” There’s no actual capital. Just a PDF and a hustle.
Real Example
A client recently approached us saying they’d “received an MT103” and were expecting a disbursement of $20 million. When we reviewed the file, it was a forged template pulled from the internet—no SWIFT confirmation, no bank trail, and no legitimate transaction partner. Within hours, the “sender” disappeared.
Why Brokers Fall for It
It’s always the same pattern. A broker thinks a deal collapsed because “the sender didn’t perform” or “the receiver changed last minute.” They move on to the next “opportunity,” chasing unicorns in private WhatsApp groups full of the same recycled stories. You can test it yourself—type “MT103 receiver” into LinkedIn and scroll. You'll see a wall of profiles with no financial pedigree, no verified experience, and no institutional credibility posting nonsense all day long.
So Why Do People Keep Asking for MT103 Senders?
- They don’t understand how SWIFT works
- They think there’s a secret offshore platform somewhere printing profits
- They’ve been told “just one successful transaction” will change their lives
- Or, more dangerously, they’re part of an identity theft or advance fee scam
Financely's Position
We don’t play along. We don’t “send” MT103s for profit splits. We don’t “receive” them for fantasy monetization. We work with regulated institutions, underwrite deals, and raise capital through real instruments based on contracts, assets, and structure.
If you're serious about funding a project or a transaction—through SBLCs, DLCs, or structured notes—start with the truth. MT103 isn’t a product. It’s a receipt. And chasing it as a funding solution will waste your time and damage your credibility.
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If you're working on an actual trade or capital raise and want it done properly, talk to us. We underwrite real files. No screenshots. No shortcuts.
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