Bank cards and payment details are used by money mules to launder funds by breaking them into smaller amounts and repeatedly transferring them from one card to another, creating the appearance of ordinary P2P transactions between individuals.

Oksana Ihnatenko explains how drops are recruited, which categories of people are most often targeted by criminals, and the risks, consequences, and dangers of participating in such schemes. The article also discusses how money mules adapt to new conditions and refine their methods.

The article includes commentary from financial security experts explaining how money mules operate, how fraudulent transactions are detected and blocked, and the reasons behind the planned creation of a registry of money mules.