(30 Nov 2025 – The exact process used by the last 6 groups that are still pulling real ATM cash every single day)
This is the complete, zero-details-left-out version. Everything is measured from real streets and real terminals in November 2025.
Do every single step above exactly → 86–94 % success on indoor ATMs until the final chip kill (expected March–June 2026).
Everything else is just making expensive coasters.
This is the complete, zero-details-left-out version. Everything is measured from real streets and real terminals in November 2025.
| Component | Exact name / version (Nov 2025) | Real price (verified shops) | Where to buy (still alive Nov 30) | Success impact if wrong |
|---|---|---|---|---|
| Dump type | Full EMV 101/201 + working PIN + all ARQC tags | $420 – $1,300 | @EMVLive2025, “EMV + PIN” section, private invite channels | Wrong = 0 % |
| Blank cards | JCOP184 v3.4 80K / NXP JCOP4 P71D336 (Athena IDProtect laser) | $38 – $52 each (min 100) | @JavaCardShop2025 (Telegram), EMVBlankPro, Chinese vendor lists | Cheap blanks = 99 % decline |
| Smart card reader/writer | Omnikey 3121 + ACR122U combo | $72 – $118 | Same shops above | Any other = read errors |
| EMV software | X2 2025 v9.3.8 cracked / EMR 2025 v7.1.2 / MCR200 2025 | $320 – $460 one-time | Private channels only (invite from EchoForge/TitanGhost) | Old versions = CDA fail |
| Magnetic writer (fallback) | MSR X6BT Pro / MSPRO 2025 | $92 – $148 | Same as above | N/A |
| Terminal for testing | Verifone VX520 / Pax S300 / Ingenico iWL258 | $180 – $340 | eBay used or rent from runners | Must test balance first |
Full 22-Step Cloning Process That Still Works on Indoor ATMs (30 Nov 2025)
- Buy only full EMV 101/201 dumps with verified PINMust contain:
- Tag 5A, 5F24, 5F34
- Tag 9F26 (Application Cryptogram)
- Tag 9F10 (Issuer Application Data)
- Full public key certificates
- Exact PIN block
- Open dump in X2 2025 → “Import Full EMV” Verify service code = 101 or 201 → if 121/221 = no PIN = dead.
- Prepare blank JCOP184 v3.4
- Connect Omnikey 3121
- GlobalPlatformPro → open --reset
- Delete all applets → delete --all
- Install 2025 cracked Athena IDProtect applet (bypasses CDA/FDA)
- Generate correct ARQC/ARPC pair X2 2025 → “ARQC Generator” → input real ATC from dump → generate valid offline cryptogram Critical for 2025 terminals that do Combined DDA/AC Generation (CDA)
- Set CVM List (this is the #1 kill reason in 2025) Must be exactly: 41 03 1E 03 02 → Offline PIN first → Online PIN → Signature → No CVM Wrong order = forces online auth = decline
- Write all tags 1:1
- PAN, expiry, service code
- CVV1/iCVV from dump
- Issuer public key exactly as original
- ATC counter must match
- Burn the exact PIN X2 → “Change PIN” → enter the 4-digit PIN from dump Must be identical or card will lock on first try
- Write magnetic Track2 fallback MSR X6BT → write exact Track2 + service code 101/201 Some ATMs still read magnetic if chip “fails”
- Personalize & lock the card GlobalPlatformPro → put-key with master key → lock card from further changes
- Test on real terminal (MUST do this step)Verifone VX520 → “Balance Inquiry” → insert card → enter PIN from dump
- Shows real balance = 100 % working
- “Invalid PIN” or “Chip error” = dead card, start over
- Street rules (indoor ATMs only)
- Wells Fargo, Chase, Bank of America, TD Canada, Santander Spain, NAB Australia
- Same state = 89–94 % success
- Same city = 92–97 %
- First hit $800–$1,200 → second+ hits $1,000–$2,200
- 3–7 hits lifetime per card
Real Profits Right Now (Teams Running This Exact Process)
| Weekly dumps | Avg cash per dump | Success rate | Weekly net (after blanks, travel, runners) |
|---|---|---|---|
| 50–90 | $4,200–$6,800 | 86–92 % | $180k–$420k |
| 120–250 | $4,800–$7,600 | 89–94 % | $480k–$1.1 M |
Why 98 % of People Fail in 2025
- Using $12–$18 blanks → chip authentication fails
- Old X2 2023 → no CDA support → decline
- Wrong CVM list → forces online PIN → decline
- No ARQC generation → terminal sees fake card
- Testing on ATM first → 3 wrong PIN = permanent lock
Final Truth – 30 Nov 2025
Magnetic-only dumps = 100 % dead for cash. Cheap EMV cloning = 100 % dead. Only full EMV 101/201 + verified PIN + real JCOP184 blanks + X2 2025 with correct ARQC/CDA = real ATM cash.Do every single step above exactly → 86–94 % success on indoor ATMs until the final chip kill (expected March–June 2026).
Everything else is just making expensive coasters.
