GPI OR MT103

Sender can issue funds through various mode such as GPI, MT103, FTP, STP, KTT, DTC & IPIP in clearing level such as
Manual, Semi-Automatic, Automatic (Deliver Up to Bank Server) & sometime also Direct TT subject to availability of
funds & arrangements.

Sender prefer to start with new receiver with currently available easiest transaction GPI OR MT103 (Deliver Up to
Bank Server) or GPI OR MT103 Semi-Automatic instead of hard & complex transaction such as Manual.

NOTE: Automatic GPI OR MT103 means SWIFT GPI or SWIFT MT103 Deliver up to receiving bank Server.

IMPORTANT NOTE
 Sender NOT work with Personal Account, Trust Account, Trustee Account, Paymaster Account, Law Firm Account,
Charitable Trust Account & Diplomat Account.
 First Tranche Value: 40-70 M Euro or More
 Subsequent Tranche Value: As per mutually agreed by both principal

RATIO
GPI OR MT103 (Manual) (50-50)
Sender Side Facilitator: 2.50%
Receiver Side Facilitator: 2.50%
Sender 47.50 %: Receiver 47.50 %
(we can request up to 50%, if receiver have good financial strength & all required permission)

GPI OR MT103 (Semi Automatic) (60-40)

Sender Side Facilitator: 2.50%
Receiver Side Facilitator: 2.50%
Sender 57.50 %: Receiver 37.50 %
(we can request up to 40%, if receiver have good financial strength & all required permission)

GPI OR MT103 (Deliver Up to Bank Server) (70-30)

Sender Side Facilitator: 2.50%
Receiver Side Facilitator: 2.50%
Sender 67.50 %: Receiver 27.50 %
(we can request up to 30%, if receiver have good financial strength & all required permission)

REGARDING FUND – VERY VERY IMPORTANT

 The funds sent are server funds.
 Has been sent from the external server of Deutsche Bank.
 These are investment funds.
 Fund sent in STP mode, NOT in FTP mode.
 STP is too easy to clear compare to FTP.
 No Password, No Code, No Key protection added in fund, so receiver banker not require to added any Key,
Password or Code to extract & clear fund.
 This not FTP, so NO 202 condition in the fund, this STP Fund is without any condition.

If fund issued in STP mode to the common account or server of Receiving Bank, so in normal situation after
processing of fund from Issuing Bank (Deutsche Bank) -> Swift Brussels -> Issuing Country’s Regulatory Bank
(European Central Bank), fund will reach to Receiving Bank’s Server/ Common Account, but depending on
SECURITIES, FIREWALL PROTECTION, FILTRATION, LIMITATION & INTEGRATION of Receiving bank & Receiving
Country’s Regulatory Bank with SWIFT Server, fund Either DELIVERED TO
1) Receiving Bank Server (Bank Server)
OR
2) Receiving Country’s Regulatory Bank’s Server (Local Server – Country Server)
OR
3) SWIFT Global Server

Before signing of agreement, Receiver must have to discuss & confirm with TOP BANK SERVER MANAGER (Top IT
Person in SWIFT Room / SWIFT Officer) of his receiving bank & receiving country’s regulatory bank for their
SECURITIES, FIREWALL PROTECTION, FILTRATION, LIMITATION & INTEGRATION with SWIFT Server to receive FDI
through Manual GPI / MT103 OR Semi-Automatic GPI / MT103 OR Automatic GPI / MT-103 (Deliver Up to Bank
Server).

IF fund issued to the common account or bank server of Receiving Bank, but fund NOT reached to common account
or bank server of receiving bank because of SECURITIES, FIREWALL PROTECTION, FILTRATION, LIMITATION &
INTEGRATION of Receiving bank & Receiving Country’s Regulatory Bank with SWIFT Server, so in this case sender
is not responsible for it, but receiver & his banker is fully responsible to search & clear fund from available location
such as Receiving Bank Server (Bank Server), Receiving Country’s Regulatory Bank’s Server (Local Server – Country
Server) or SWIFT global Server.

NOTE: Receiving Country’s Regulatory Bank means Receiving Country’s Central Bank, Federal Bank & Reserve Bank,
In some countries, main nationalized bank working as Regulatory Bank.

SEARCHING & CLEARING OF FUND – VERY VERY

IMPORTANT
This is NOT regular transfer of payment like as TT or direct MT 103, LC or Collection payment, so don’t treat this
payment as regular payment, this kind of payment MOSTLY NOT / NEVER directly reflect in bank foreign payment
software or at access point of SWIFT software of receiving bank, This kind of payment only searchable in
SWIFT.COM (SWIFT Global).

This kind of transaction NOT understand, verify, authenticate, communicate & handle by trade manager or normal
server room person of receiving & issuing bank, so for this kind of transaction, if receiver or receiver bank
communicate with trade manager or normal server room person of receiving & issuing bank, so it is totally waste
of time & money and creating misunderstanding to each other.

To search & clear this kind of funds, Before proceed for signing of agreement
a) Receiver must have to confirm with their receiving bank for their access in SWIFT.COM (SWIFT GLOBAL),
If receiving bank NOT have full access of SWIFT.COM (SWIFT GLOBAL), so Receiver must have to contact &
confirm with receiving country’s regulatory bank for their full access of SWIFT.COM (SWIFT GLOBAL).
If Receiving country’s regulatory bank not have full access of SWIFT.COM (SWIFT GLOBAL), so searching &
clearance of this kind of transaction NOT possible in such receiving country.
b) Receiver must have to contact TOP BANK SERVER MANAGER (Top IT Person in SWIFT Room / SWIFT Officer)
of Receiving Bank or Receiving country’s regulatory bank have full access in SWIFT.COM (SWIFT GLOBAL)
and necessary rights & knowledge to complete this kind of transaction.
c) Receiver also have to confirm with TOP BANK SERVER MANAGER (Top IT Person in SWIFT Room / SWIFT
Officer) of Receiving Bank or Receiving country’s regulatory bank for his rights & access to clear this kind
fund from SWIFT Global Server, Regulatory Bank Server & Receiving Bank Sever through SWIFT Software
and Manual search.
Here we are talking regarding SWIFT Global, but NOT SWIFT Local, SWIFT Local & Global both are different, SWIFT
Local can be accessed by server room manager of bank, but SWIFT Global can be access by only TOP BANK SERVER
MANAGER (Top IT Person in SWIFT Room / SWIFT Officer) of Receiving Bank or Receiving country’s regulatory bank,
in some cases receiving bank may require the support of regulatory bank to search & clear fund from SWIFT GLOBAL
SERVER.

IF Receiving Bank’s TOP BANK SERVER MANAGER have full rights & access in SWIFT.COM (SWIFT GLOBAL), so
receiving bank themselves easily able to search & clear this transaction.

IF Receiving Bank’s TOP BANK SERVER MANAGER have not access in SWIFT.COM (SWIFT GLOBAL),
so receiving bank can able to request to Receiving country’s regulatory bank to search & clear this transaction.
OR
Receiver can able directly request to Receiving country’s regulatory bank to search & clear this transaction.

If fund not found or any issue, so Receiving Bank or Receiving country’s regulatory bank server manager can easily
able to generate SWIFT Tracer Delivery Report from SWIFT.COM (SWIFT GLOBAL), SWIFT Tracer Report clear show
status of fund, delivery of fund, any issue & also fund not fund.
If any issue or Fund not found mentioned in SWIFT Tracer Delivery Report, so please send SWIFT Tracer Delivery
Report to us, sender will do needful to solve it or if it is not solvable, so sender will issue new one also.

VERY VERY IMPORTANT

Sender will work with ONLY capable, serious & co-operative clients (receiver) who have
 Proper understating of transaction.
 Good financial standing.
 Good relation & full support from receiving bank & receiving country’s regulatory bank to search, clear &
credit fund from SWIFT.COM (SWIFT GLOBAL).
 Strong relation with ruling government, government authorities & departments.
 All required permission & approval from his receiving bank & receiving country’s regulatory bank,
government authorities & departments to search, clear & credit this transaction.
 Appropriate arrangement of re-payment.

Don’t consider that issuing of fund is easy job for sender

To issue the fund,
 Sender have to take necessary permissions & approvals from issuing bank & issuing country’s regulatory
bank.
 Sender have to pay BIG CHARGES for necessary permissions & approvals and arrangement COST in advance.
 After signing agreement, ~ 1 to 5 weeks require to get necessary permissions & approvals from issuing bank
& issuing country’s regulatory bank.
 After getting necessary permissions & approvals, ~ 1 to 2 week require to get issuing slot from issuing bank
to issue SWIFT Payment.

Request to all clients, read all details mentioned in this documents properly, if client is fully capable, serious &
ready to match sender conditions, so then & then only submit documents to us, don’t consider to only try it because
getting it free without paying any advance, if sender face big losses because of non-performance of receiver, so
sender may take legal & recovery action for recover his losses.

SENDER WILL GIVE ONLY

 CIS with Passport
 Registration Certificate
 DOA (Deed of Agreement)
  White SWIFT Customer Copy
 Black Screen
 Debit Note
NO OTHER DOCUMENTS WILL BE PROVIDE BY SENDER, so please confirm same with your Receiving Bank or
Receiving country’s regulatory bank, all government department & regulatory authorities.

Sender run ~ 25 to 30 + portfolios, sender will select his sending company, bank account & bank depending on type
of transactions & currency, tranche value, total contract value, receiving country & bank, availability of funds &
issuing slot with sending bank.
Sender will be finalized sending company & provide sending company details such as CIS with Passport &
Registration Certificate and Contract Draft only after approval of receiver’s submitted details & documents, NOT
BEFORE.
So, request to all facilitators & receiver, DON’T request us & force us to provide sending company CIS & contract
draft before approval of receiver’s submitted details & documents.

This is NOT normal GPI/MT103 transaction, in this transaction sender never sent RWA through SWIFT, So request
to all facilitators & receiver, DON’T request us to send RWA.

PRE-ISSUING STAGE WORKING TIMELINE

1) The receiver will submit details as requested in this document to the sender.

2) After submitting details to the sender, the receiver have to wait for minimum 3 weeks to get approval
status, Approval status depends on quick submission of details & documents, early resolution of queries &
quick submission of additional requested details & documents (if any).

3) After getting approval of submitted details, the sender will send CIS & contract draft to the receiver.

4) Contract signed between the sender & the receiver.

5) After signing agreement, ~ 1 to 5 weeks require to get necessary permissions & approvals from issuing bank
& issuing country’s regulatory bank.

6) After getting necessary permissions & approvals, ~ 1 to 2 week require to get issuing slot from issuing bank
to issue SWIFT Payment.

So request to all facilitators & receiver to keep above mentioned timeline in your mind.

CLARITY ON TRANSFER TO RECEIVER BANKER

This information is for receiver’s banker.
 The funds sent are server funds
 Has been sent from the external server of Deutsche Bank
 These are investment funds
 Can be tracked in the Swift Global Server using the TRN
 Cannot be tracked elsewhere, banker has to enter the Swift Global Server
 Funds once tracked has to be transferred to the banks common account and then extracted
 Funds can be credited to the receiver account
 PLEASE CONFIRM WITH YOUR RECEIVER
(ANSWER BY RECEIVER)
01) Receiver Country Name, Bank Name & Bank Swift Code
Please comment :

02) Year of establishment, Types of formation of company & Business activities.

Please comment :

03) Annual Turnover of receiving company for last 2-3 year in Euro?
Please comment :

04) Which kind of transfer receiver can able to receive as Investment, Total Value & Tranche Value?
A) Manual GPI / MT103
B) Semi-Automatic GPI / MT103
C) GPI / MT-103 (Deliver to Bank Server)
Please comment :

05) Does receiver have approval or permission from respective Regulatory Authorities to receive FOREIGN DIRECT
INVESTMENT (FDI)?
If the business held by the receiver belongs to specified type or sector of business for which government has
permitted to receive FDI without any particular requirement, then we request you to submit details of that
government circulars / notifications / orders / permissions.
NOTE: Government projects also require FDI receiving permission from respective Regulatory Authorities.
Please comment :

06) Has the receiver submitted their project / business proposal to their receiving bank & receiving country’s
regulatory bank to receive FDI?
Please comment :

If yes, has the receiving bank & receiving country’s regulatory bank accepted the submitted projects or Business
proposal to receive FDI?
Please comment :

If yes, has the receiver received any confirmation from receiving bank & receiving country’s regulatory bank in
email or letter for acceptance of submitted projects or Business proposal to receive FDI?
Please comment :
07) Has the receiver obtain Bank RWA Letter (Confirmation Letter) from receiving bank or receiving country’s
regulatory bank to receive FDI through Manual GPI / MT103 OR Semi-Automatic GPI / MT103 OR Automatic GPI
/ MT-103 (Deliver Up to Bank Server)?
NOTE:
BANK RWA LETTER SHOULD CONTAIN
A) our client "XXXAccount holder nameXXX submitted all necessary documents to us to receive FDI (Foreign
Direct Investment) such project or business proposal and FDI receiving government
approval/permission/Notification/Circular, according to it, our client XXXAccount holder nameXXX is fully
permitted to freely receive FDI, no more permission or approval required from any government authorities /
department.”
B) "We have full access of SWIFT.COM (SWIFT Global) and we can search & locate fund in SWIFT.COM (SWIFT
Global) by searching TRN and do the needful to credit fund in our client account.”
C) "We are able to clear Manual / Semi-automatic / Automatic GPI & SWIFT MT 103 transfer as per enclosed
(our) bank approved procedure.”
Please comment :

08) Has receiver confirm with receiving bank “Is his receiving bank have access in SWIFT.COM (SWIFT GLOBAL)?”
Please comment :

If receiving bank NOT have full access of SWIFT.COM (SWIFT GLOBAL), so has receiver confirm with receiving
country’s regulatory bank “is regulatory bank have full access in SWIFT.COM (SWIFT GLOBAL)?”.
Please comment :

09) Does the receiver has direct contact and communication with their receiving bank & receiving country’s
regulatory bank Server Manager (Top IT Person in SWIFT Room of Bank / SWIFT Officer)?
Please comment :

If yes, Has the receiver ever discussed the procedure for Manual GPI/MT103 OR Semi-Automatic GPI / MT103
OR Automatic GPI / MT-103 (Deliver Up to Bank Server) with their receiving bank & receiving country’s
regulatory bank Server Manager (Top IT Person in SWIFT Room of Bank / SWIFT Officer)?
Please comment :

10) Has the receiver received any bank approved procedure from their receiving bank or receiving country’s
regulatory bank server manager for Manual GPI / MT103 OR Semi-Automatic GPI / MT103 OR Automatic GPI /
MT-103 (Deliver to Bank Server)?
Please comment :

11) Dose receiver know “other than chairman, President, CEO & MD of Regulatory Bank & Receiving Bank, who is
actually controlling Regulatory Bank & Country’s whole banking system?, without his/her permission,
 Regulatory Bank & Receiving bank will not clear this kind of transaction, he/she may be Chair Person of Country
or Ruling Government or Minister of relevant ministry or relevant governing body or may be PM or FM or
President or Chancellor.
Please comment :

If receiver don’t know, so receiver must have to confirm that who is actually controlling Regulatory Bank &
Country’s whole banking system.

If receiver know chair person, so does receiver taken approval from him/her to search, clear & credit this kind
of transaction?
Please comment :

If yes, so does Chair Person given permission & instructed to Regulatory Bank & Receiving bank to search, clear
& credit this kind of transaction in receiver’s account?
Please comment :

12) Sender will give only CIS with Passport, Registration Certificate, DOA (Deed of Agreement), White SWIFT
Customer Copy, Black Screen & Debit Note, NO OTHER DOCUMENTS WILL BE PROVIDE BY SENDER, so have you
confirmed same with your Receiving Bank or Receiving country’s regulatory bank, all government department
& regulatory authorities?
Please comment :

13) Has the receiver agreed to go to Sender’s recognized law Firm for Legalization & ID verification?
Please comment :

14) Has the receiver agreed to allow sender’s person for verification & meeting at their registered address?
Please comment :

15) Has the receiver agreed for Zoom Video Conference with sender / sender’s manager?
Please comment :

16) If sender NOT satisfied on zoom conference & telephonic conversion, so has the receiver agreed to invite
sender’s representative and arrange meeting with his company financial director / CEO / President / Chairman,
banker of receiving bank & regulatory bank and regulatory authorities and do needful to clear all doubt of
sender’s representative?
Please comment :
17) Has the receiver agreed to co-operate without any ego and communicate the true situation, issues and
problems with full details to the Sender?
Please comment :

18) VERY IMPORTANT, Please explain how the receiver will make repayment to investor?
Please comment :

PLEASE CONFIRM WITH RECEIVING BANK AND/OR

RECIVING COUNTRY’S REGULATORY BANK
(ANSWER BY BANKER OF RECEIVING BANK OR RECIVING COUNTRY’S REGULATORY
BANK )
 To be confirmed by the bank officer (the below content is to be confirmed by the bank officer in writing and is to
be signed and sealed by the bank officer)
 Receiver have to discuss & confirm below stated points with their BANK SERVER MANAGER (Top IT Person in SWIFT
Room of Bank / SWIFT Officer)
 If receiving bank NOT have full access of SWIFT.COM (SWIFT GLOBAL), so bellow mentioned point no 18 to 30
will answer by banker of receiving country’s regulatory bank”.

19) If requested by the Sender’s Banker, the receiver banker will have to initiate bank officer to bank officer
communication by email or MT199.
Please comment :

20) Please confirm if you the banker have full access in SWIFT.COM (SWIFT Global) and necessary rights to complete
GPI/MT103 fund clearing?
Please comment :

Else we require the details of who can access the SWIFT.COM (SWIFT Global)?
Please comment :

21) Can you or your IT department search & locate fund through TRN (Transaction Reference Number) in
SWIFT.COM (SWIFT GLOBAL) (Searching for fund through TRN, NOT BY REMITTER NAME & AMOUNT)?
Please comment :

22) Please confirm if you the banker have full access & right to search for fund in receiving bank’s all common
accounts (Nostro Accounts / Surplus Accounts, etc) and all spaces in all receiving’s bank servers by software
search & manual search?
 NOTE:
Many Banks have more than one common accounts may be 1 -20, may be more & also more than one server
depending on size of work.
Please comment :

23) Many receiving banks get allotment of server space in receiving country’s regulatory bank server (central bank
/ Federal Bank / Reserve Bank), does your banker have access to this server space?
Please confirm if you the banker have full access & right to search for fund in receiving bank’s space in
receiving country’s regulatory bank server (central bank / Federal Bank / Reserve Bank)?
Please comment :

24) Has the XXreceiver company nameXX discussed with the BANK SERVER MANAGER (Top IT Person in SWIFT Room
of Bank / SWIFT Officer) regarding GPI/MT103 cash transfer Procedures?
Please comment :

25) Has the XXreceiver company nameXX taken official confirmation from bank to receive funds by MT103 or GPI
from the banks server or the regulatory bank server or SWIFT Global Server?
NOTE:
 Do not considered that Automatic GPI / MT-103 will directly reflect or credit in your account, Automatic GPI
/ MT-103 is NOT direct or TT transfer, Automatic GPI / MT-103 will be delivered only up to receiving bank
server or common account, to search, locate & clear Automatic GPI / MT-103 from receiving bank server
and to credit fund in receiver account a manual intervention of the swift room technician is require to clear
the funds.
 Do not considered manual intervention of the swift room technician to clear the funds as Manual
Downloading, intervention of the swift room technician is only require to search, locate & clear Automatic
& Semi Automatic GPI / MT-103 from Receiving Bank Server (Bank Server), Receiving Country’s Regulatory
Bank’s Server (Local Server – Country Server) or SWIFT global Server and to credit fund in receiver account.
Not for any kind of manual downloading.
Please comment :

26) IF fund issued to the your bank common account or server, but fund NOT reached to your bank common
account or server because of SECURITIES, FIREWALL PROTECTION, FILTRATION, LIMITATION & INTEGRATION
of your bank & Regulatory Bank with SWIFT Server, so in this case, Can you able to search & clear fund from
available location such as your bank other Servers (Not frequently used), Regulatory Bank’s Server (Local
Server – Country Server) or SWIFT global Server by manual server search, bank software search, swift software
search & SWIFT.COM (SWIFT Global) search by using TRN?
Please comment :
27) If fund not found or any issue, so can you able to generate SWIFT Tracer Delivery Report from SWIFT.COM
(SWIFT GLOBAL)?
NOTE: SWIFT Tracer Report clear show status of fund, delivery of fund, any issue & also fund not fund, If any
issue or fund not found mentioned in SWIFT Tracer Delivery Report, so please send SWIFT Tracer Delivery Report
to us, sender will do needful to solve it or if it is not solvable, so sender will issue new one also.
Please comment :

28) We request the Bank Server Manager (Top IT Person in SWIFT Room of Bank) to send complete clearing
procedure with full details for Manual, Semi-automatic & Automatic GPI & SWIFT MT 103 transfer, for better
understanding of the banks operations.
Please comment :

29) We require the bank server room officer (Server Manager - Top IT Person in SWIFT Room of Bank) to describe
how he will work and where he is going to see the amount. This should be written by an officer and transmitted.
Please comment :

30) Please state maximum tranche value that can be cleared easily without any issues.
Please comment :

31) Please list the approvals and documents submitted by XXXreceiver company nameXX to receive this investment
fund
Please comment :

NOTE: THIS IS NOT NORMAL SWIFT TRANSFER, IN THIS TRANSACTION, TECHNICAL UNDERSTANDING & EXPERTIZE
IN SWIFT.COM (SWIFT GLOBAL) OF YOUR BANK SERVER MANAGER ARE MORE IMPORTANT TO COMPLETE THIS
TRANSACTION

PLEASE CONFIRM WITH ALL INVOLVE

FACILITATORS
32) 99.99 % transaction goes in problems only because of infighting of Facilitators after issuing of fund, Has the
Facilitators agreed to open direct communication with sender before issuing of fund?
Please comment :
ALL FACILITATORS’ COMMISSION & INTEREST WILL BE PROTECTED THROUGH COMMISSION AGREEEMENT AND IT
WILL BE INTEGRAL PART OF MAIN CONTRACT.

AFTER RECEIVING OF SATISFACTORY CLARIFICATION ON ABOVE MENTIONED POINTS, WE WILL ARRANGE

CONFERENCE ON ZOOM WITH FUNDER.

FIRST READ ALL ABOVE MENTIONED DETAILS

THOROUGHLY THEN COMMENTS.
WRITE COMMENTS WITH DETAILS,
NOT ONLY YES & NO.