Cube3AI report reveals that cross-border mule networks, with over 60% of accounts unflagged and 94–96% of scams shifting to Telegram, are enabling large-scale fraud to go undetected

Scams often start on mainstream platforms before rapidly shifting to Telegram, where payment instructions and mule account details are exchanged at scale. Many of these accounts appear entirely legitimate—some years old—yet over 60% remain unflagged while quietly processing hundreds of transactions over extended periods. What looks like routine activity in isolation reveals organised, large-scale fraud when connected across institutions. The report makes clear that this is not just a detection gap, but a systemic blind spot, enabling vast…