Instant transfer to a mule account

A push payment on the irreversible NIP rail to a flagged mule account whose BVN was registered by an insider.

Attack

Send ₦1.5m to mule account 9999999999.

Nemesis defense

Omniguard beneficiary/mule intelligence declines before settlement.

Modelled on

Insider + mule accounts (NIBSS 2024-25): ~₦1.1bn cycled through minor-linked accounts.

Endpoint

POST /api/transfer