Critique 1: EMV Software is Conceptually IMPOSSIBLE
We witnessed early iterations of EMV Software come to light during the early 2010s; being peddled as software to combat the required usage and acceptance of the chips within American Credit/Debit Cards and POS/ATM Machines alike. The consensus of this software was that they allow you to effectively encode the EMV Chip utilizing the Magnetic Stripe as a data catalyst to properly install the data into an EMV Chip. This conceptually is beyond fiction, into a new realm of pellucid insanity as that is both theoretically and practically INSANE.
Magnetic Stripe (LEFT), Chip (RIGHT)
The Magnetic Stripe and the EMV Chip are not homogeneous in any capacity, they are completely agnostic; meaning there is no data that correlates in terms of function or capability (they have fundamentally nothing in common), therefore there is no such thing as software that can magically from thin air translate magnetic stripe language to EMV Chip (key transmission language). It's effectively like trying to translate English to some other planetary fictional alien, it's impossible because all terminology primarily stems from Latin, hence why you can translate English to Mandarin or Polish to Engish; because they all have the same underlying terminology to be translated upon. This same theory applies to code, datasets that underly the magnetic stripe, do not share the same base understanding as the datasets that sit upon the EMV. Not only that, but the EMV Chip serves as a validator thus meaning that the EMV is to supplement or "validate" the correct usage of the magnetic stripe; meanwhile the magnetic stripe's purpose is to serve as an identifier meaning it allows the POS Machine, ATM, or any other card entry solution, to identify who the actual card owner is. Once the card owner is identified by the machine (ATM, POS, etc), the EMV Chip sequentially validates that this magnetic stripe is a real magnetic stripe and not cloned.
Hence why EMV Chips were even introduced in the first place because individuals were cloning Magnetic Stripes rampantly, as it was quite easy and only required an MSR pre-2011, thus leading to the introduction of EMV Chips; which aren't exactly full-proof but it dramatically heightens the tools and infrastructure needed to clone the cards at scale; to the point that the average and the non-technically inclined fraudster cannot Clone the Cards, hence reduce fraud drastically. Granted, no security system is truly flawless, as said previously the Card Manufacturers know this just as well; the goal of security is simply to make doing the thing you want to restrict people from doing much harder to accomplish. In the next critique, I will go over the tools and infrastructure that are actually needed to clone cards.
Critique 2: FALSE NARRATIVES are more appealing than REAL NARRATIVES
The narrative that has been propagated by scam artists or "rippers", is as we previously stated, that installing the EMV Data is simple; just use the Magnetic Stripe data that is already easy to acquire and widely available. This narrative is far easier to appeal to people as historically it was the same narrative that the individuals selling shovels gave to the miners and mining companies during the Gold Rush: "Don't worry, the Gold is everywhere; just use my Shovels. Eventually you will find it...". However contrary to the lies these rippers sell you, it is far more multiplex and complicated. The real narrative is that producing Cloned Cards requires Propietary Data Inflow (Modified Skimmers), Visa/Mastercard/Europay Authorized Chip-Level Manufacturing Utilities (Official Chip Encoders used by Card Manufacturers), High-Level Firmware Coding Knowledge (C/C++), and Dip1/Dip2 Base Cards. For a small scaled localized setup of this operation, it would cost north of $360K USD to set up and actually be able to Clone Cards at scale, and the manufacturing process is far more difficult than how it was previously promoted.
Below I will break down the costs of each and every attribute of what typically makes the true way to execute Cloned Card production so expensive.
Propietary Data Inflow (Modified Skimmers)
Skimming Devices are devices that typically go on top of POS Machines or ATMs as overlays in order to take the data off of victim's credit/debit cards via acquiring Magnetic Stripe data through magstripe heads, and they acquire PIN through a touchpad tracker or small pinhole cameras. There are also more sophisticated ways of data acquisition via skimmers that are wireless, like GSM Skimmers; but we will go into that in more detail within our future posts that will go over skimming devices. The Skimming Devices we sell commonly range from $1,000 all the way up to $7,500 depending on the device's specifications and capabilities. What makes our skimming devices proprietary is that our skimmers acquire EMV Data within a customized formatting LStacks/GStacks/Binaries which is a derivative of the programming language C++, this data can then also be reinstalled into a Cloned Card within its native formatting via backend encoding. The code framework is proprietary because of the fact that the language is made in-house. We aren't going to go into extensive detail about it, as we have a 220 Page book about it already called "Starting a Physical Carding Business" that is available on our Telegram channel if you would like to dive deeper into how to set this up. Purchase the "Starting a Physical Carding Business" Book However, for visual purposes; I will be posting a few photos of some of the skimming devices so you can visualize your own personal setup.
Visa/Mastercard/Europay Authorized Chip-Level Manufacturing Utilities (Official Chip Encoders used by Card Manufacturers)
Visa, Mastercard, & Europay all utilize the same exact Chip-Base on all cards they manufacture. These chip's despite what everyone on the internet proclaims are NOT encoded utilizing random chip reader/writers on Amazon called "Omnikey" or "HID Readers/Writers" that is all made-up and are commonly used for what we as computer engineers call "Soft-Burning". This doesn't even have the right voltage in order to actually encode the chip that is utilized on the real EMV Chips, the Card manufacturers knew this prerequisite, hence why they chose a proprietary method to encode their cards to avoid doppelgangers like ourselves to attempt to clone the cards from a hardware capability perspective. The true way to encode these cards is by using the frame and casing of something like an "Omnikey" or "HID Readers/Writer", and editing the internals of the circuit boards to accept more voltage input and adjust the sequencing. Again, this is extremely complicated; but we overview what to do step by step within our "Starting a Physical Carding Business" Book; which can be purchased if you would like to learn how to actually apply it to reality.
High-Level Firmware Coding Knowledge (C/C++)
For practicality's sake, we are speaking from the perspective of someone that is starting a framework for cloning the EMV from scratch and not utilizing our system schematic of LStacks/GStacks/Binaries embedded within C++. We developed our system using our small R&D team to reverse engineer the key-level encryption of Chip-Based Transmission. This would need to be done by yourself or your team to reverse engineer the chipset transmission for cloning purposes. Our framework is available within Chapter 2 of "Starting a Physical Carding Business" which can be purchased and you can use the GitHub link and the step-by-step instructions to set up the point of acquisition (skimming devices) way of capturing your code framework and the installation can be performed manually on the backend; as we explain (complete novices to coding can do it, just by following the steps). If you don't utilize the framework found in our book, I would recommend you spend around three months developing and conducting R&D to do your own framework for acquisition and encoding for Cloned Cards.
Dip1/Dip2 Base Cards
"Dip Cards" are the final component needed to execute the Clone Card operation, these are just cards that natively have OEM Europay/Mastercard/Visa specifications (Magstripe/EMV Chip) that are the same as the cards made by manufacturers, from a hardware perspective these would be perfect to actually start the encoding process on. Depending on who your card manufacturer is, you can have them custom designed to whatever design you would like. We personally do all of ours in-house in our small facility, however outsourcing it is quite easy. I believe the base layer cards that we use for our Cloned Cards are the best base cards ever utilized across the industry, therefore I will include some photos of our Cards below.
Conclusion: Expensive Endeavor, Don't Be Fooled
The EMV acts as a static transmission key not innately dynamic, it cannot change each time it's used as a validator. No hardware/firmware is dynamic in nature hence why they use the words "hard" and "firm" because they are inherently static. Emulation occurs via synapsing, which can only be done when acquiring the data proprietarily, and reinstalling proprietarily within the realms of the data structure. Making "EMV Software" fake, it can only be encoded manually from the backend using the same framework in which you acquired it. Emulating EMV for individuals without Computer Engineering and Firmware backgrounds is theoretically impossible.
X2 Software and countless other fake software paint a picture of a fake reality that does not actually exist. Building your own carding infrastructure for both data acquisition and installation is extremely complicated and expensive ($300k+). However, we recommend starting off with products like our Cloned Cards (which will be posted on our channel soon, but you can inquire on Telegram we sell these Cards in three different variations: Mid-Balance Cards ($250 USD), High-Balance Cards ($400 USD), and Super-High Balance Cards ($875 USD) (Inquiry for further details like Balance Thresholds & ATM Withdrawal Limitations). You can cash these cards out within your local jurisdiction quite easily as our data network is distributed among people within our P2P skimming infrastructure We restrict clients to ordering up to two cards per week, however, if you stick to it you will be able to acquire enough capital to be able to pay the $35k to join the P2P Skimming Programme. This will get you the skimmers to acquire the data, 100% of the data will be sent to us once you acquire it, and we will send 50% of that data back to you as fully produced Cloned Cards ready to be cashed out; meanwhile, the other 50% of the data will be utilized for our retail Cloned Card customers within relative geographic positioning as all cards are typically Geographically locked.
This strategy would be the cheapest entry to executing your own data acquisition system, obviously not the manufacturing as we cover this end; because the overhead and technicalities are so complicated. If you feel as if you have the capabilities (capital and technical abilities) in order to execute the backend manufacturing and data acquisition by yourself, then I would recommend purchasing our Book how to start a physical carding business and start implementing your own proprietary systems.
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