Telegram Channels Fuel Sale of Verified Bank Mule Accounts

The report describes the rise of Mule-as-a-Service (MaaS) marketplaces—primarily on Telegram—where operators sell pre-verified bank and fintech accounts, synthetic identities, and full-service laundering tools; AI and automation are used to bypass KYC, age accounts, and orchestrate large-scale fund transfers across real-time payment systems (notably in Brazil, Argentina, and Colombia), posing a substantial operational and financial risk to institutions.