Drops: The Whole Truth — How to Build an Empire and Lose Everything in One Day

[00:02] beyond bank terminals and offices. We'll talk about a world where a person's personality has a clear price tag, and a bank card is not a payment instrument, but a ticket to a crime scene. We will talk

[00:17] about drops and drop-makers. And if you think that this only concerns marginalized people, hackers and some drug addicts, you are deeply mistaken. In this story, I will show and tell how ordinary students, and then housewives,

[00:33] retirees, and ordinary workers became cogs in a gigantic money-laundering machine created by my friends. They were definitely not friends , but I knew them very well in their field . We'll take a closer look at the

[00:48] agency's activities, and let's call them Drop Devils. It is clear that there will be no real names or titles here. This, by the way, is a structure that, at its peak, controlled thousands of accounts across the country. This is the story of how

[01:03] the ambitions of two boys turned into a cynical conveyor belt that destroys lives. cynical conveyor belt that destroys lives. Chapter One. The aesthetics of hopelessness and the smell of first money. Moscow in the late 2000s was a city of

[01:16] contrasts. On one side, the City towers under construction, on the other, shabby panel houses where young people simply dreamed and didn’t know how to make money. Our heroes lived in one of these panels. Let's call them Lesha and Tolya. Lesha was an

[01:33] ordinary guy who solved tests at school for money. And having entered the Faculty of Economics, he quickly realized that this was not his path. While the teachers realized that this was not his path. While the teachers

[01:49] indicators, and so on, he increasingly began to understand that capital is earned in the shadows. Tolya is his absolute and one hundred percent opposite. This is a one hundred percent opposite. This is a huge man. He didn't like to think. And

[02:03] his main trait was to solve problems. And his work at that time in a pawn shop gave him very important experience. He saw ordinary people bringing wedding rings, old medals, and basically anything that was valuable to them, just to make it to

[02:19] payday. As it later turned out, they met in a random establishment. Lesha had a record book in his pocket, although not with bad grades, and the second one was simply angry at his boss, who had fined him

[02:32] half his salary. It was then that they began to think about how they could earn their first money. And they came across that very same advertisement. It was pasted right on the coffee machine, and it said that couriers were needed,

[02:47] payment daily from 1,000 rubles. for the exit. A call from an ad led them to a shopping center on the outskirts. There, at

[03:02] the food court, they agreed to meet a certain Marina. And from what they said, she looked like an ordinary office worker. But a gold watch worth as much as some small apartment in the provinces gave it all away . She didn't beat around the bush

[03:18] and said straight away that she needed clean bank cards. Transfers from our partners will be sent to them. We simply don't have enough limits. You, in turn, register the cards in your own name, give them to us along with the

[03:33] SIM cards and PIN codes, and receive 1,000 rubles for each card. Make 10 pieces and get an extra 10,000 as a bonus, even for the people you refer. At the pawnshop, the salary was about this amount,

[03:49] not per day, but for the whole month. And understandably, they asked how legal this was. And the answer, I think, you know what it is? Absolutely safe. You simply transfer the right to use your accounts, and the most that can happen is that

[04:04] the bank will close the card. Well, what does this have to do with you ? Well, in principle, for fools it sounds logical. At that time, she gave them five cheap phones each, and simply called a pack of SMS cards. In the evening, Alexey simply decided to reread the terms of the

[04:19] bank agreement. He already understood then that Marina was a little late and the cards were needed for something darker. But easy money proved stronger than moral principles. And to avoid looking for easy money, join our

[04:34] Telegram channel. There we posted a pinned post under the hashtag Navigator about safe work on the internet. There will be all the proof, screenshots and, of course, reputation on the forum and work with the guarantor. First link in the description. Let's continue.

[04:48] Chapter three. Banking marathon. The next week turned into a quest. They divided Moscow into sectors. Tolya took the south for himself, and Alexey the north. They visited every branch of Sber, VTB, Alfa and Raiffeisen. It was simply

[05:04] psychologically difficult. You had to sit in line initially, fill out sit in line initially, fill out the form and not show your nervousness to the teller. They were constantly asked the same question: "What is the purpose of

[05:18] opening an account?" As was later mentioned, Tolya always said that he would receive his salary on this card, and Lesha would use it for transfers from his parents for his studies. The main difficulty was that the cards were made without a winder. It

[05:33] was necessary to wait from 3 to 5 days. All this time they lived in anticipation. And when the cards were ready, the stage of assembling the set began. Each set included plastic, an agreement, a sealed envelope with a PIN code, and the same SIM card to

[05:48] which the mobile bank was linked. At the second meeting, Marina was no longer alone. A technical specialist came with her, as she introduced him, some random guy with a laptop, and he started checking each card, logging into his personal

[06:03] account, checking whether text messages were coming in. Well, it was logical to change the password. Then the process took 2 hours, and in the end the guys received 24,000 rubles. They left the shopping center knowing they had won, but it was at that moment that Lesha said

[06:19] something that changed everything. If she pays us that kind of money, just imagine how much she makes from this. We are just meat to her. We need to become Marinas ourselves. And here he was definitely right.

[06:36] Chapter Four. Hacking the system. The path to drop farming. The guys started digging and looking for information. And Lesha learned that there was a huge gray market. Companies need to pay salaries in envelopes, officials need

[06:51] kickbacks. Online casinos need to withdraw winnings. All this money is non-cash. And to turn them into paper money, thousands of personal cards of ordinary people are needed.

[07:03] They realized that the demand was huge, but the supply was limited, let's say, by infantry that was afraid or lazy. The first thing they did was create a brand called Drop Devils. It sounded respectable and professional. Then they started looking for

[07:19] sales. Tolya, through his connections at the pawn shop, contacted people involved in money transfers. But they always needed quite a large volume. Almost no one was interested in simply giving a couple of cards. Everyone wanted at least 2050 cards, and then they were

[07:35] offered 3000 for one set. It was a challenge to find 50 people. First they started writing to their friends. They were constantly throwing parties, and in the

[07:47] morning they would ask if their friends wanted to make some quick money. You just need to open the map. The students, of course, agreed in droves, but you understand that the resource of friends is not infinite. And for 2 months that's exactly what

[08:01] happened. People started asking questions when they started receiving calls from bank security services. Chapter Five. The birth of a credit scam.

[08:13] The business was then under threat. The drops were running out faster than the guys could find them. And then it dawned on one of them. He watched Tolya talking to customers at the pawnshop. And most of them were people in the

[08:27] deepest hole. They were ready to do anything for a new loan to pay off the old one. Then he realized that they didn’t need to look for people. People will find them themselves and line up. This is how a financial consulting agency comes into being

[08:41] . They rented a small office in a business center, let's say, class B, bought a couple of cheap suits and printed thousands of leaflets. Assistance in obtaining a loan without guarantors with a bad credit history. The scheme was, to

[08:56] put it mildly, cynical. Whenever another over-indebted poor guy came into the office, let's say it was Uncle Yura, the taxi driver , who was half a million in debt, Lesha would put on a very smart face and leaf through his documents. Your situation is certainly

[09:12] difficult, Yuri. The bank's scoring system blocks you automatically, but we have a way out. We have our own people in the IT departments of large banks. We can solve your problem. The solution to the problem seems to be that we need to create

[09:28] the appearance that you are an active user of banking services. You now need to open 10 debit cards. We will run our technical means on them. Supposedly, you buy goods, receive transfers, pay off

[09:42] some small bills, and after a month, the algorithm decides that you are an ideal client and approves you for a loan of 1 million rubles. And it's understandable that people like Yurtsy ran to the banks, spent their last money on issuing cards, got SIM cards, and

[09:58] brought all this stuff to Tolik. He was sure that these cards were the way to some kind of solution to the problem, but in reality, millions of dirty money began to fly through his cards reality, millions of dirty money began to fly through his cards .

[10:12] . Chapter Six. The Anatomy of Betrayal. They worked like clockwork. Alexey was responsible for logistics and communication with customers on the darknet, Tolya for receiving drops and running the office. The profit was crazy.

[10:26] For each card, which was essentially brought to them for free and for which the drop then paid the bank, they received a net profit of 3-5,000 rubles. 3-5,000 rubles. Between 40 and 50 people passed through the office per day. Count it

[10:41] yourself, 250,000 rubles. per day. This was their minimum standard. And by the way, it’s not minimum standard. And by the way, it’s not 250,000 rubles, like now. It was in the fifteens. The business developed, time passed, and logically they bought themselves

[10:56] new apartments and cars, and so on, and so forth. But behind the facade of success lurked rot. To protect themselves, they implemented a total verification system. Lesha punched every drop. Do they have any debts to the

[11:10] frozen? Are there any relatives in the police? whether a person is simply not opaque. The most terrible thing for them was the throw from the drop side. This happened when a person realized that large sums of money had passed through his cards, went to the bank,

[11:26] blocked the card due to loss, and withdrew the remainder through the cashier. For the drop-off driver, that is, Lesha and Tolya, this was a disaster. Clients could hold him accountable for the missing money, so Tolya developed a system of intimidation. When

[11:40] processing documents, the client was asked not only for copies of their passports, but also for the addresses of relatives, parents' phone numbers, and so on. And they very gently hinted: “If something happens to the card, we will regard it as theft from serious people.” And

[11:55] serious people really don't like thieves. And everything in this spirit. Chapter Seven. System attention. The first warning signs came when banks began blocking their clients' cards en masse under Federal Law 115. This is a

[12:10] law on combating money laundering. Bank security services quickly identified the pattern. Dozens of unrelated people open cards, which are immediately used to transfer large

[12:23] used to transfer large sums of 149,000 rubles. The amount is 150,000 rubles. back then it was checked less rigorously. Situations began to occur frequently, such as when that same taxi driver, Yura, received a notice from the bank that more

[12:38] than 5 million rubles had been transferred through his account. and the tax office demands 650,000 rubles from him. tax. There was no way to escape this, and they simply made excuses about a technical failure, which, of course, helped for a while, but the lump grew larger every day. Of course, no one was going to

[12:54] decide anything. Yuri was already used up material. His data was blacklisted and he was forgotten. But there were more and more such Yuri . Reviews about their agency started appearing on forums. The police began

[13:09] Reviews about their agency started appearing on forums. The police began to receive the first statements. Chapter Eight. Why will the drop always remain a victim? Let's step away from history for a moment and look at the situation through the eyes of the law. What happens

[13:23] to the person who gave up their card? The first is complicity in a crime. Even if you didn't know where the money came from, handing over the card is a violation of banking rules. And if it is proven that the money was stolen, say, from pensioners

[13:38] through telephone fraud, you are charged as an accomplice under Article 159. Second. Tax issues. The state sees the receipt of funds into your account. For the tax authorities, this is your income. If you spent 10 million on your card, be prepared to pay 1.3 million in taxes. and no

[13:55] one cares that you only got 1,000 rubles for it. Third - lifetime ban. There is a fifth-level system, that is, interbank data exchange. If you got there as a drop, you will never again receive not

[14:09] only a loan, but even a regular card for receiving your salary. You become a financial isom. Fourth. Visits of serious people. If a card is blocked with money inside, criminal organizations will demand this money from

[14:23] you. You are the face of the account and you are responsible for it . . Chapter Nine. The decline of the empire. By 2015, the clouds over Drop Devils had thickened. Lesha became paranoid. He

[14:37] kept changing numbers. The offices moved literally every 2 months. Tolya, on the contrary, believed in his invulnerability. He began to openly conflict with other dropshipping groups, trying to monopolize the market. They started

[14:51] making a fatal mistake: cutting off customers' money. At that point, Lesha came up with a scheme where they would simulate a bank block on their card, take the money for themselves, and tell the customers, "Sorry, the security service worked,

[15:05] the money is frozen." This was already a road to nowhere. In the shadow world, they ask for something like this much more harshly than in court. One morning, when Lesha approached his entrance, he saw two tinted cars. It wasn't

[15:19] the police, it was people from a very dissatisfied customer. At the same moment, on the other side of the city, people wearing masks with the words "special forces" written on their backs entered the agency's office, so to speak. Their empire, built on the socks of greed and

[15:35] the exploitation of others' despair, collapsed in one day. This concludes the first part of the Drop Devils story. I told you how easy it is to turn financial illiteracy into a gold mine and how quickly this gold mine can turn into real

[15:50] money. In our Telegram, I'll tell you how the investigation unfolded, which of my friends was the first to turn in the others, and what sentences the, shall we say, cash-out kings ultimately received . And why is the risk of simply sitting down at a card higher today than ever before? And

[16:05] my advice: take care of your passport and your bank details just like you take care of your apartment keys. Don't believe in easy money and don't trust too much. In this business, only the organizers win, and then only for a short

[16:19] time, while ordinary people pay for everything . It was the Dark Archive. See you in the . It was the Dark Archive. See you in the next videos.