In recent times, there has been considerable concern with regards to some newly uncovered Android-based malware-as-a-service (Maas) platforms, particularly those based on Android and known as SuperCard X. This is because this platform was able to execute these attacks in near-field communication (NFC). A sophisticated tool such as this enables threat actors to make unauthorised contactless payments, allowing them to withdraw money without requiring direct physical access to their cards. 

Through advanced near-field communication (NFC) relay techniques, this malware is able to allow threat actors to authorize illicit transactions at contactless-enabled ATMs and Point-of-Sale (POS) terminals without actually requiring the victim to give them their card details. Using such methods, the attacker deceives users into installing a malicious Android application, during which their payment cards are tapped against their compromised devices. 

The sensitive data from the NFC tags is intercepted and relayed in real time to the attacker-controlled infrastructure while the attack is taking place. It appears that the platform has been part of a Malware-as-a-Service MaasS) ecosystem for Chinese-speaking users. In addition, it appears to have a significant amount of code overlap with NGate, a malicious NFC toolkit that was previously documented by ESET in 2024. The campaign has had a wide-reaching impact on not only banking customers but also credit card issuers and payment processors as well. 

With the help of widely adopted contactless payment technologies, attackers are able to devise an extremely effective means of executing an unauthorised cashout, especially if they trick the user into disabling transaction limits. This campaign's success has been attributed to its combination of streamlined malware and persuasive social engineering, a development that signals a significant change in the tactics used by mobile threat actors in the future.

Apparently, the current campaign appears to be primarily targeting Italian bank customers and cardholders, according to recent research conducted by the fraud prevention firm Cleafy. It is reported that the attackers intend to collect sensitive payment card data through a methodical and layering approach in a very systematic way. Several analysts, including Federico Valentini, Alessandro Strino, and Michele Roviello, have concluded that SuperCard X uses a multiphase strategic attack method. 

Social engineering tactics are used to lure victims into installing malicious Android applications, which can intercept NFC data that has been compromised from a compromised device. This can include SMS-based phishing (smishing) as well as deceptive phone calls that lure victims into installing malicious Android applications. Additionally, preliminary findings indicate that the service is actively promoted on Telegram channels, which suggests that the tool’s distribution and monetisation are being supported by a larger underground network. 

The campaign's focus is on covert data harvesting and real-time exploitation of data, a trend which highlights the importance of mobile devices as a critical point of entry for financial fraudsters. A growing number of mobile payments is highlighting a need for enhanced awareness of users, robust security protocols, and real-time threat intelligence to combat the ever-increasing number of mobile-focused cyberattacks. As far as the malware's operational architecture is concerned, it displays a clever combination of sophistication and subtlety. 

To keep the component known as "Reader" from being detected by security platforms that are based on heuristics or signature-based and signature-driven algorithms, such as VirusTotal, the component is intentionally designed to only ask for basic system permissions as well as some NFC permissions, an intentional design choice. The technical findings of Cleafy indicate significant code reuse from the open-source relay toolkit NFCGate and the malicious variant NGate, both of which were identified by ESET in 2024. 

Using publicly available frameworks has probably accelerated development and led to a quicker onboarding process for new threat actor affiliates because it allows development to take place faster. When victims are coerced into tapping their credit or debit cards against a compromised device, they are silently captured, including low-level smart card responses such as the Answer To Reset (ATR) messages, from the compromised device. This is often done through social engineering.

Data such as this is sent instantly through a command-and-control network that is based on HTTP and protected with mutually negotiated TLS authentication, which limits communication to validated client instances and reduces the probability of external intrusion. During the same time, a secondary application on a separate attacker-controlled Android device called the "Tapper" is played that simulates the victim's card at a payment terminal or contactless ATM by using Host-Based Card Emulation (HCE). 

With a combination of disabling the card spending limits for the victim, this tactic can ensure that the maximum number of fraudulent withdrawals are made while remaining virtually undetectable by standard mobile security solutions. As a result of Cleafy's analysis, SuperCard X is designed to be stealthy, and it has remained undetected by all antivirus solutions listed on VirusTotal until today. 

Having such a restricted permission model, as well as the absence of overtly malicious behaviours, such as screen overlays and intrusive access requests, which are commonly flagged by heuristic-based security engines, contributes greatly to this success. There is an evident high level of technical competence among the threat actors behind SuperCard X, particularly in the implementation of an ATR-based (Answer to Reset) card emulation system, which demonstrates a high level of technical competence. 

A malware program that replicates the initial response sequence of the smartcard convincingly allows fraudulent transactions to be processed without raising suspicions at a payment terminal by convincingly mimicking authentic smartcard behaviour. In addition to this, users have built a command-and-control infrastructure with mutual Transport Layer Security (MTLS), which ensures that no client devices are permitted to communicate unless they are authenticated. 

A certificate-based verification ensures that not only is data integrity protected, but the network traffic analysis process is hindered significantly by security researchers and law enforcement agencies due to the fact that this certificate is based on verification. Together, these technical safeguards ensure that this malware does not leave a large footprint on the networks and demonstrate how mature the campaign is operationally. 

There is some evidence that the activity associated with SuperCard X is currently restricted to Italy geographically, although Cleafy's report cautions that the threat could rapidly escalate on a global scale if the problem is not addressed promptly. Cybercriminals can acquire and deploy malware-as-a-service (MaaaS) tools on dark web marketplaces that are readily available, which makes it easy for them to acquire and deploy malware against targets from any region. This raises concerns about possible expansion into broader markets, including those in North America and Europe. 

Using convincing social engineering tactics, such as urgent text messages masquerading as official communication from financial institutions, the campaign leverages persuasive social engineering techniques. The messages are designed in such a way that they cause panic in users and prompt them to immediately act, such as clicking on malicious links or downloading unauthorised applications, in order to generate immediate results. 

Individuals should ensure that they verify such messages independently by contacting their financial providers directly through trusted channels in cases where the sender's number matches the victim's actual bank number, especially if the sender's number has been spoofed to match that number. Whenever users receive a request to download an application through an external link, they should be aware that it is a red flag. No legitimate bank would ever ask users for this type of request. 

The user should only install applications from verified sources, such as the Google Play Store, which offer banking apps. It is essential to maintain the functionality of built-in security features on users' Android device, such as Google Play Protect, to mitigate the risk of exposure to threats like SuperCard X. This service continuously scans every application users install and any new applications they download for malicious behavior. 

There are a few things users should consider, such as installing a third-party mobile security solution, as well as awareness and good cyber hygiene practices. As this malware continues to circulate in the wild, awareness and good cyber hygiene are the two best ways to combat the increasing number of mobile malware threats.