Still working as of July 2026. Not the old "double your money" scam β this is an actual exploit.
CashApp has a funding source verification delay. When you add a new debit card and send money, the debit takes 2-3 business days to settle. But the recipient gets the money instantly.
- Create TWO CashApp accounts (use different phones or emulators)
- Account A = you (the sender). Add a prepaid/gift card as funding source
- Account B = your second account or a willing partner
- Send $100 from Account A to Account B
- CashApp instantly credits Account B. $100 shows up immediately.
- Withdraw the $100 from Account B to your external bank/wallet
- Remove the prepaid card from Account A before the charge settles (2-3 days)
- The charge fails. Account A goes negative. But Account B keeps the money.
- Abandon Account A (throwaway phone number/email)
- CashApp limits new accounts to $250/week sending
- Prepaid cards sometimes get flagged immediately β use a real-but-burner debit
- Don't do more than $200 per account pair
- CashApp bans the sending account β you WILL lose it
- Recipient account needs to be on a different device/IP
Time per cycle: ~10 minutes
Been doing this for 3 weeks. Averaging $600/week with 5 account pairs. Your mileage may vary.