Security agencies have uncovered more than 8,000 mule accounts in Jammu and Kashmir over three years. These accounts act as the financial backbone for global scam networks. Officials warn the money moved through these accounts could fund separatist and anti-national activities. They called mule accounts the "weakest yet most crucial link" in cybercrime. Without them, converting stolen money into cryptocurrency is impossible. Central agencies have asked Jammu and Kashmir Police and banks to work together to stop the growth of mule accounts. They want to identify "mulers" who arrange these accounts. Since a 2017 crackdown by the National Investigation Agency, scammers may have switched to "digital hawala." Mulers get commissions and may fund anti-national actions. Mulers are not direct scammers but they provide mule accounts to receive stolen money. Often, ordinary people are lured with promises of easy commission and low risk. They give full control of their bank accounts, including net banking passwords. Scammers may get 10 to 30 mule accounts at once. Some accounts are opened in fake company names, allowing large daily transactions up to ₹40 lakh without raising alarms. The money is quickly moved through several accounts in small pieces to avoid detection. While mule account holders do not contact victims, they help money laundering knowingly. A senior official said, "The entire scam ecosystem depends on these accounts. Those renting out their accounts are not just victims of circumstance; they are the engines of the crime." Studies found people in China, Malaysia, Myanmar, and Cambodia instruct locals in Jammu and Kashmir to create private crypto wallets. These wallets are made using VPNs to hide identities and need no verification. Jammu and Kashmir Police have banned VPN use in the valley due to this risk, as VPNs also help terrorists and separatists avoid detection.