We convert banking instruments into working capital.
e-MFin structures institutional monetization programmes for BG, MTN, Blocked Funds, and Bank Drafts, with recourse and non-recourse facilities disbursed via attorney trust account.
Our operational model ensures full transparency, audit-ready procedures, no upfront fees, and compliance with European and international banking protocols. Funds are released via a legal trust account accompanied by a legal opinion.
Quattro tipologie operative.
Ogni strumento è gestito con procedura audit-ready e struttura contrattuale dedicata.
Leased Bank Guarantee
Monetization of leased Bank Guarantees from rated institutions, delivered via SWIFT MT799/MT760, Euroclear, DTCC, or Bloomberg. Recourse or non-recourse facilities available.
Contract and bank endorsement
Contractual signature by all parties and bank endorsement to protect the deposit.
Delivery via banking channel
Instrument delivery via SWIFT, Euroclear, DTCC, or Bloomberg according to the agreed procedure.
Disbursement via attorney trust
Release of funds from a legal trust account accompanied by a legal opinion.
Mid Term Note (MTN)
Monetization of Mid Term Notes via Euroclear, SWIFT, DTCC, or Bloomberg. Return of the instrument in compliance with contractual anniversary terms.
Instrument verification
Authentication of the MTN and rating check of the issuing bank according to e-MFin standards.
Institutional delivery
MTN assignment via the selected channel with a certified execution receipt.
Compliant funding
Disbursement within operational timelines following authentication, with MTN returned before the contractual maturity.
Owned Blocked Funds
Monetization of client-owned blocked funds via SWIFT MT760. Originating from World Top 100 Banks, with audit-ready procedures and contractual protection.
RWA documentation
Blocked Funds RWA Letter, Blocked Funds Instrument Monetization Application, Loan Agreement.
MT760 Delivery
Delivery of blocked funds via SWIFT MT760 from the client's issuing bank.
Structured disbursement
Release of funds according to the contractual schedule, with instrument returned before maturity.
Bank Draft Monetization
Monetization of Bank Drafts issued by World Top 100 institutions, with delivery via SWIFT MT110. Each Bank Draft is eligible for a single monetization.
Issuer verification
Bank Officer check and instrument authentication via the official business card.
MT110 Delivery
Transmission of the Draft via SWIFT MT110 to the monetizer's bank.
Funding via trust account
Disbursement of the loan via attorney client trust account with legal opinion.
Struttura di protezione a tre livelli.
e-MFin is the only Bank Instrument Facilitator in the world that guarantees 100% of the initial deposit through bank endorsement, before the client transfers any amount.
Banking performance penalty
Contractual penalty on the defaulting party, applicable both in the event of non-response from the beneficiary's bank and in the event of failure to deliver the instrument by the provider's bank.
Bank-endorsed Deposit Refund Program
All agreements are bank-endorsed. Once the bank endorses the agreement, the bank becomes liable before the client transfers any fee. The endorsement functions as an insurance wrap.
Attorney Client Trust Account
Following compliance approval and bank endorsement, payments are made exclusively to the Attorney Client Trust Account. Banking details are provided directly by an e-MFin Compliance Officer.
Flusso operativo istituzionale.
Simplified operational diagram — Bank Draft Monetization
SWIFT MT110 send instruction
- The client instructs their institution to send a SWIFT MT110 to the Monetizer's bank.
- Upon contractual signature by both parties.
- SWIFT MT110 — formal banking channel.
LTV disbursement timeline
- The Monetizer disburses the financing for the agreed LTV value.
- Within banking timelines following receipt of the SWIFT MT110.
- Final financing, according to the contractual structure.
Draft return protocol
- The Draft must be returned to the client.
- Within the contractual terms prior to the annual contract anniversary.
- Returned free and clear of all encumbrances.
Required documentation
- Bank Instrument Monetization Application.
- Application submitted to the e-MFin compliance team.
- Institutional format (PDF or digital).
Compliance standards
- Accepted: delivery via SWIFT from a rated bank.
- Rejected: Forbidden Asset Providers or non-rated institutions.
- Compliance with international banking standards.
Do you have a banking instrument to monetize?
Our team assesses the instrument's compatibility with our standards and prepares the confidential documentation for onboarding.