"Instant payments have transformed how money moves. With just a few taps, funds shift between accounts in seconds, across networks and borders, with almost no friction. Fraud rings, mule networks, and repeat offenders operate from real places. A device farm is a physical location. An APP scam runs in real time, often with the victim on a call, meaning the session occurs under conditions that look nothing like their normal behavior. What all of these events have in common is they have a physical context."