Keep $50 for yourself

Training 1195 minutesmoney mule transfer

“Receive $1,000, forward $950, keep the rest.” A job-chat contact calls it ten minutes of work. There is no contract.

Training goal: Keep your account out of someone else’s payment chain

Situation

1. The money would come from a buyer and go to a different person. Nobody explains the goods or why the firm’s account is bypassed.

2. A screenshot says “$1,000 sent, forward $950 now.” Your banking app shows no incoming payment.

3. Now the contact says: “If it arrives, return it to this other account.” It differs from the supposed sender’s.

4. The contact threatens to report you. You have the chat and the job listing number. What next?

Prepare a short refusal: “I do not route other people’s payments through my personal account.”

What is a money mule?

A money mule moves criminal proceeds through an account or wallet. They may not know the whole scheme.

What should I do with an unknown deposit?

Do not spend it or forward it on someone’s instructions. Ask your bank to check its origin and explain the next steps.

Is commission-only payment work safe?

Commission alone does not decide that. Routing other people’s funds through your personal account without a clear service is risky.

Numbers are illustrative. A game, not financial advice.