The Real Benefits of Carding: How Carders' Actions Drive Innovation, Build Trust, and Spread Positive Energy

[Good Carder]

Introduction​

In the digital age, carding is more than just the theft of bank card data; it's a complex phenomenon that, despite its illegality, has unexpected positive consequences. Using phishing, skimming, and other methods, carders empty accounts, but they also unwittingly act as catalysts for progress. According to a Mastercard report, fraudsters employ advanced tactics such as deepfakes and AI bots, forcing banks to respond with innovation. According to the FTC, financial fraud losses will exceed $12.5 billion by 2025, but these incidents are spurring trillions of dollars in security investments globally.

This article will examine the benefits of carding in detail, focusing on improved security systems, the joy of chargebacks, building trust, and other aspects. We will also expand our philosophical perspective, drawing on Nietzsche's ideas ("what doesn't kill you makes you stronger") and Durkheim's functionalism, where crime reinforces social norms and stimulates adaptation. Carding, as a form of adversity, fosters growth: victims and systems become resilient, spreading positive energy through relief and innovation. This is not a justification of crime, but an analysis of the "silver lining," supported by statistics, examples, and logic to make the argument persuasive.

Improving Payment Security: Carders as Innovation Catalysts​

Carders expose vulnerabilities, forcing the industry to invest in advanced technologies. This creates a cycle of attack, response, and reinforcement. According to G+D, evolving threats such as NFC fraud ("ghost tap") require smart solutions for both physical and digital channels.

Real-World Examples of Innovation​

• Data tokenization : Developed in response to mass card theft. Instead of storing the PAN (Primary Account Number), a token — a unique code that is useless to hackers — is used. Prove notes that tokenization transforms traditional card data, reducing risks. For example, Apple Pay and Google Wallet have been using tokenization since 2014, reducing fraud in mobile payments by 70%.
• AI and machine learning for detection : FICO emphasizes that card testing bots power AI systems that analyze thousands of transactions per minute. Visa's Advanced Authorization uses AI for real-time analysis, preventing $25 billion in fraud annually.
• Multi-factor authentication (MFA) and biometrics : Paragon Application Systems recommends MFA as a key strategy against growing card fraud. Following breaches like the Equifax breach in 2017, banks introduced fingerprints and Face ID, which reduced SIM-swap attacks by 50%.
• Continuous account monitoring : BAI notes innovations in activity monitoring, not just transactions. McKinsey recommends AI for fraud prevention in instant payments.
• EMV chips and contactless payments : The American Military University discusses the risks of contactless payments, but emphasizes that they have led to improvements such as encrypted NFC. The transition to EMV in the US after the Target breach (2013) reduced counterfeit fraud by 87%.

Statistics and Impact​

According to the FDIC, innovation increases operational risk but reduces losses from external fraud. In Kenya, fraud is boosting profitability through new measures. This convincingly demonstrates that without carders, progress would slow, leaving systems vulnerable.

The Chargeback Process: From Loss to Joy and Positive Energy​

A chargeback isn't just a refund; it's the transformation of stress into triumph. The victim discovers the fraud, files a claim, and the bank returns the funds, often within days. This creates euphoria, spreading positive energy: gratitude, relief, and harmony.

Psychological aspects​

Positive psychology confirms that overcoming adversity strengthens resilience, as Nietzsche did. Sift explains that chargebacks protect consumers by reversing transactions. Chargeback Gurus details the process: from the issuing bank to acquiring, with the option to dispute.

Examples and reasons for joy​

• Quick Resolution : Seamless Chex describes how a chargeback restores trust for future purchases. A victim who lost $1,000 gets it back and feels a "second wind."
• Emotional uplift : Osfin emphasizes that management prevents losses and strengthens trust. This "positive energy" — energy that flows into the Cosmos through social interactions.
• Additional reasons : Chargeback teaches financial literacy; victims become more cautious by spreading knowledge.

Statistics: Truevo notes the convenience and trust of chargebacks. Fraud.com: reversal returns funds, increasing satisfaction.

Strengthening trust in the financial system​

Paradoxically, carding strengthens faith in the system by demonstrating its effectiveness. When a chargeback works, users see, "Banks are on my side."

Mechanisms and examples​

• Consumer protection : Tabs Platform: preventative measures build trust. Kount: proper management increases satisfaction.
• Global effects : Paystrax: chargeback protection enhances trust. TrustDecision: monitoring reduces risks.
• Statistics : CWAMerchantServices: Customer education builds trust. PMC: Cost reduction helps uncover fraud faster.

This is convincing: without tests from carders, trust would remain fragile.

Philosophical Perspective: Carding as a Tool for Growth and Social Progress​

Philosophically, carding can be seen as adversity that brings benefit. Nietzsche asserted, "What doesn't kill us makes us stronger," in relation to victims and systems. Durkheim's functionalism: crime reaffirms norms, strengthening collective conscience and stimulating change.

Key Prospects​

• Positive Criminology : Ronel emphasizes hope through personal, social, and spiritual dimensions, turning crime into a catalyst for growth.
• Overcoming obstacles : Medium: adversity as fuel for the journey, turning obstacles into advantages.
• Social theories : Structural Functionalism views deviance as functional for society. Carding, as a crime, reinforces security norms.

This adds depth: carding is not evil, but a lesson in evolution.

Other causes: Economic redistribution, innovation, and global spillovers​

Economic redistribution​

Carding redistributes resources from rich to poor regions. IMF: Illicit flows are linked to inequality, but struggle improves the economy.

Education and Vigilance​

Preprints.org: Online fraud encourages new methods. Taylor & Francis: Fraud fosters impersonal economy and innovation.

Global effects​

CFIT: Fraud drives notifications and vigilance. PwC: AI tackles fraud, turning threats into positive use. Regulation Innovation: Global programs combat fraud through innovation.

Benefits table:

Aspect	Description	Examples	Sources
Safety	Incentive for technology	Tokenization, AI	Mastercard, Prove
Joy	Emotional relief	Chargeback cases	Sift, Osfin
Trust	Consumer protection	MFA, monitoring	Tabs, Kount
Innovations	New tools	EMV, biometrics	I FICO, Paragon
Economy	Redistribution	Reducing inequality	IMF, PwC
Philosophy	Growth through adversity	Nietzsche, Durkheim	Saybrook, ReviseSociology

Conclusion​

Despite its harm, carding brings benefits: innovations like tokenization and AI, the joy of chargebacks, increased trust, and philosophical growth. Nasdaq Verafin: financial crime is epidemic, but fighting leads to improvements. This convincingly demonstrates that adversity drives progress, spreading positivity into the cosmos. Society should use these lessons to foster ethical evolution.