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Mobile Money Agent

Individuals or businesses authorized to facilitate mobile money transactions, converting cash to electronic balances and vice versa, often serving areas with limited formal banking infrastructure.

[
Code
AT0060
]
[
Name
Mobile Money Agent
]
[
Version
1.0
]
[
Category
Customers, Clients & Private Individuals
]
[
Created
2025-03-12
]
[
Modified
2025-04-02
]

Related Techniques

T0026
|
Automated Transaction Systems
|

Cash-in/cash-out node used by scripts to inject or extract value from mobile wallets, adding another rapid, lightly-supervised layer.

T0121.001
|
Cross-Border Agent Intermediation
|

Mobile money agents may be knowingly or unknowingly involved in cross-border fund movements by:

  • Facilitating small, repeated mobile transfers across different regions, staying under typical detection thresholds.
  • Operating under varying AML standards across mobile platforms, making it challenging for financial institutions to track or consolidate transaction patterns.
  • Providing an accessible, decentralized channel that criminals exploit to layer illicit proceeds and obscure their origin.