National Cyber Security Reference Framework - Need of the Hour

Executive Summary:

Cyber incidents are evolving along with time, they are designed to attract and lure people through social networking sites and/or messaging services. In the recent past a spate of messages alleging that TRAI is offering ‘3 months free recharge with free voice calls and internet for 4g/5g with 200 GB free data’. These messages display the TRAI logo with attractive offers to trick the users into revealing their personal details. This blog discusses the functioning of this free mobile recharge scheme, its methods and guidelines on how to avoid such fake schemes. This blog explains the importance of vigilance and verification when receiving any links, emphasizing the need to report suspicious activities and educate others to prevent identity theft and protect personal information. 

Claim:

The message circulated an  enticing offer: free mobile recharge for 3 months which provides unlimited  free voice calls with 200GB 4G/5G data with TRAI logo. The key characteristics of the false claims are

• Official Branding: The logo of TRAI has been viewed as a deceptive facade of credibility. 

• Unrealistic Offers: It is accompanied by a free recharge , which is intended for an extended period indefinite period, like most fraudsters’ bait. 

• Urgency and Exclusivity: The offer is for a limited time to make urgency forcing the receiver to take the offer without confirmation. 

 The Deceptive Scheme:

Organized systematically, the fraudulent campaign usually proceeds in several steps, all of which aim at extracting  the victim’s personal data. Here’s a breakdown of the scheme:

1. Initial Contact:  Such messages or calls reach the users’ inboxes or phone numbers through social media applications such as WhatsApp or through text messages. These messages further implies that the user was chosen for the special offer from TRAI, which elicits the interest of the user. 

 2. Information Request: To claim the purported offer, users are directed to a website or asked to reply with personal details, including:

•  Phone number 
•  State of residence 
•  SIM provider details 

This is useful for the scammers as they harvest information which can be used to conduct identity theft or sold to others on the shady part of the internet known as the ‘Dark Web’. 

3. Fake Confirmation: After providing all the information, a congratulatory message appears on the screen showing that their phone number is eligible for the offer. The user is compelled to forward the message to many phone numbers through whatsapp to get the offer. 

 4. Pressure Tactics: The  message often implies a sense of time constraint or fear which psychologically produces pressure to provide all the user information. For example, users are given messages such as that if they do not ‘act now’, they will lose their mobile service. 

Analyzing the Fraudulent Campaign 

The TRAI fraudulent recharge scheme case depicts that  social engineering is used in cyber crimes. Here are some key aspects that characterize this campaign:

• Sophisticated Social Engineering 

Scammers take advantage of the holders’ confidence in official bodies such as TRAI. By using official TRAI logos, official language they try to deceive even cautious people. 

• Viral Spread 

The user is compelled to share the given message to friends and groups; this is an excellent strategy to spread the scam. It not only spreads the fraudulent message but also tries to extract the details of other people. 

• Technical Analysis

• Domain Name: SGOFF[.]CYOU
• Registry Domain ID: D472308342-CNIC
• Registrar WHOIS Server: whois.hkdns.hk
• Registrar URL: http://www.hkdns.hk
• Updated Date: 2024-07-24T18:50:48.0Z
• Creation Date: 2024-07-19T18:48:44.0Z
• Registry Expiry Date: 2025-07-19T23:59:59.0Z
• Registrar: West263 International Limited
• Registrar IANA ID: 1915
• Registrant State/Province: Anhui
• Registrant Country: CN
• Name Server: NORMAN.NS.CLOUDFLARE.COM
• Name Server: PAM.NS.CLOUDFLARE.COM
• DNSSEC: unsigned

Cloudflare Inc. is used to cover the scam. The real website always uses the older domain while this url has been registered recently which indicates that this link is a scam.  

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The  graph indicates that some of the communicated files and websites are malicious.

CyberPeace Advisory and Best Practice:

In light of the growing threat posed by such scams, the Research Wing of CyberPeace recommend the following best practices to help users protect themselves: 

1. Verify Communications: It is always advisable to visit the official site of the organization or call the official contact numbers of the company to speak to their customer care and clarify about the offers. 

2. Do not share personal information: No genuine organization will call the people for personal information.  Step carefully and do not provide personal  information that will lead to identity theft when dealing with such offers. 

3. Report Fraudulent Activity: If one receives any calls or messages that seem to be suspicious, then the user can report cyber crimes to the National Cyber Crime Reporting Portal on www. cybercrime. gov. in or call on 1930. Such scams are reportable and assist the authorities in tracking and fighting the vice. 

4. Educate Others : Always raise awareness among friends by sharing these kinds of scams. Educating people helps to avoid them falling prey to such fraudulent schemes. 

5. Use Reliable Resources :  Always refer to official sources or websites for any kind of offers or promotions.

Conclusion:

The free recharge scheme for 3 months with the logo of TRAI is a fraudulent scam. There is no official information from TRAI or in their official website about this free recharge scheme. Though the scheme looks attractive, it is deceptive.  Through this, the scammers are trying to collect personal details of the individual. Before clicking any links, it is necessary to check the authenticity of the information, report these kinds of incidents to spread awareness among people. Always be safe and be vigilant.  

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Introduction

In the multifaceted world of international trade and finance, cross-border transactions constitute the heart of economic relationships that span the globe. The threads that intertwine forming the fabric of global commerce are ceaselessly dynamic and exhibit an intricate pattern of complexity especially when it comes to the regulated movement of capital. It's a domain where economies connect, where businesses engage in sublime commerce, and where technology and regulation intersect at critical juncture. These guidelines will play a critical role in the regulation of capital, fortification of financial integrity, and transparency of regulatory and cross-border payments. The key highlights of this regulation include strict pre-authorization for non-bank entities, mandating specific accounts for import and export PA-CBs and a transaction ceiling of 25,00,000 Rupees.

The Vigilance of RBI 

The Reserve Bank of India (RBI), ever vigilant in its shepherding role over the nation's financial stability and integrity, has taken decisive strides to dispel the haze that once clouded this critical sector. With the issuance of a revelatory circular dated October 31, 2023, the RBI has unveiled a groundbreaking framework that redefines the terrain for these pivotal financial entities, aptly christened as Payment Aggregators – Cross Border (PA-CB). In deploying this comprehensive array of regulations, the RBI demonstrates a robust commitment to harmonizing and synchronizing the oversight of payments within the country's financial fabric, extending its meticulous regulatory weave from domestic Payment Aggregators (PAs) to the PA-CBs, a sector previously undistinguished in formal oversight.

The prescriptive measures announced by the RBI are nothing short of a regulatory beacon that cuts through the fog of uncertainty, illuminating a clear path forward for entities dedicated to facilitating cross-border payment transactions pertaining to the import and export of permissible goods and services in India through online modes. Inclusiveness is a hallmark of the RBI’s directive, encompassing a diverse cadre of financial actors, ranging from Authorized Dealer (AD) banks and conventional Payment Aggregators (PAs), to the emergent breed of PA-CBs actively engaged in processing these critical international payment transactions.

Key Aspects of Regulation

One of the most striking aspects of this new regulatory regime is the RBI's insistence on pre-authorization. All non-bank entities providing PA-CB services are impelled to apply to the apex bank for authorisation by April 30, 2024. This is far from a perfunctory gesture; it represents a profound departure from the bygone era when these entities functioned under a patchwork of provisional guidelines and ad-hoc circulars. Indeed, with this resolute move, the RBI signals its intention to embrace these entities within its direct regulatory gambit, an acknowledgement of the shifting tides and progressive intricacies characteristic of cross-border payments.

The tapestry of new rules is complex, setting forth an array of prerequisites for entities aspiring for authorization. For instance, non-bank PA-CBs are obliged to register with the Financial Intelligence Unit-India (FIU-IND) as a preliminary step before commencing the application process. Moreover, the financial benchmarks set are notably rigorous. Non-banks must boast a minimum net worth of ₹15 crores at the time of the application—a figure that escalates to a robust ₹25 crores by the fiscal deadline of March 31, 2026.

Way Forward

As if these requirements weren't indicative enough of the RBI’s penchant for detail and precision, the guidelines become yet more granular when addressing specific types of PA-CBs. Import-only PA-CBs are mandatorily obliged to maintain an Import Collection Account (ICA) with an AD Category-I scheduled commercial bank, while export-only PA-CBs are instructed to maintain an Export Collection Account (ECA), which can be maintained in Indian Rupees (INR) or any permissible foreign currency. The nuance here is palpable; payments for import transactions must be received in a meticulously managed escrow account of the PA, prior to being funneled into the ICA for smooth settlement with overseas merchants.

Conversely, export-only PA-CBs' proceeds from international sales must be swiftly credited to the relevant currency ECA. This meticulous accounting ensures that the flow of funds is both transparent and traceable, adhering to the utmost standards of financial probity.

Yet, perhaps the most emphatic of the RBI's pronouncements is the establishment of a transaction ceiling. PA-CBs have their per-transaction limit capped at ₹25,00,000 for each unit of goods or services exchanged. This calculated move is transparent in its objective to mitigate risk—a crucial aspect when one considers the potential implications of these transactions on the country’s fiscal health and the integrity of its financial systems.

It is no exaggeration to declare that with these guidelines, the RBI is effectuating a seismic shift in the regulation of cross-border payment transactions. There's a fundamental transformation taking place—a metamorphosis—from a loosely defined existence of PA-CBs to one of distinct clarity, under the direct and unswerving supervisory gaze of the regulator. The compliance burden, indeed, has become heavier, yet the return is a compass that points decisively towards secure harbours.

As we embark upon the fresh horizons that these rules bring into view, it is imperative to acknowledge that the RBI's regulatory innovations represent far more than a mere codification of dos and don'ts. They embody a visionary stride towards safeguarding and fortifying the architecture of international payments, a critical component of India's burgeoning presence on the world economic stage.

Conclusion 

The journey ahead, as we navigate these newly charted waters with the RBI's guidelines as our steadfast North Star, will no doubt be replete with challenges, adaptations and learning curves for the array of operational entities. But it is with confidence we can say, the path is set; the map is clear. The complex labyrinth of cross-border financial transactions is now demystified, and the RBI's clarion call beckons us towards a future marked by regulation, security, and above all else, reliability in the cosmopolitan tapestry of global trade. RBI’s guidelines provide a comprehensive framework for standardizing cross-border financial transactions in India. This decision is a monumental step towards maintaining cyber peace in cyberspace. 

References:

• https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12561&Mode=0
• https://www2.deloitte.com/in/en/pages/tax/articles/tax-alert-Regulation-of-payment-aggregator-cross-border-pa-cb.html
• https://www.jsalaw.com/newsletters-and-updates/rbis-new-guidelines-to-govern-payment-aggregators-in-cross-border-transactions/ 

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Executive Summary:

New Linux malware has been discovered by a cybersecurity firm Volexity, and this new strain of malware is being referred to as DISGOMOJI. A Pakistan-based threat actor alias ‘UTA0137’ has been identified as having espionage aims, with its primary focus on Indian government entities.  Like other common forms of backdoors and botnets involved in different types of cyberattacks, DISGOMOJI, the malware  allows the use of commands to capture screenshots, search for files to steal, spread additional payloads, and transfer files. DISGOMOJI  uses Discord (messaging service)  for Command & Control (C2)  and uses emojis  for C2 communication. This malware targets Linux operating systems.

The DISCOMOJI Malware:  

• The DISGOMOJI malware opens a specific channel in a Discord server and every new channel corresponds to a new victim. This means that the attacker can communicate with the victim one at a time.

• This particular malware connects with the attacker-controlled Discord server using Emoji, a form of relay protocol. The attacker provides unique emojis as instructions, and the malware uses emojis as a feedback to the subsequent command status.

• For instance, the ‘camera with flash’ emoji is used to screenshots the device of the victim or to steal, the ‘fox’ emoji cracks all Firefox profiles, and the ‘skull’ emoji kills the malware process.

• This C2 communication is done using emojis to ensure messaging between infected contacts, and it is almost impossible for Discord to shut down the malware as it can always change the account details of Discord it is using once the maliciou server is blocked.

• The malware also has capabilities aside from the emoji-based C2 such as network probing, tunneling, and data theft that are needed to help the UTA0137 threat actor in achieving its espionage goals.

Specific emojis used for different commands by UTA0137:

• Camera with Flash (📸): Captures a picture of the target device’s screen as per the victim’s directions.

• Backhand Index Pointing Down (👇): Extracts files from the targeted device and sends them to the command channel in the form of attachments.

• Backhand Index Pointing Right (👉): This process involves sending a file found on the victim’s device to another web-hosted file storage service known as Oshi or oshi[. ]at.

• Backhand Index Pointing Left (👈): Sends a file from the victim’s device to transfer[. ]sh, which is an online service for sharing files on the Internet.

• Fire (🔥): Finds and transmits all files with certain extensions that exist on the victim’s device, such as *. txt, *. doc, *. xls, *. pdf, *. ppt, *. rtf, *. log, *. cfg, *. dat, *. db, *. mdb, *. odb, *. sql, *. json, *. xml, *. php, *. asp, *. pl, *. sh, *. py, *. ino, *. cpp, *. java,

• Fox (🦊): This works by compressing all Firefox related profiles in the affected device. 

• Skull (💀): Kills the malware process in windows using ‘os. Exit()’

• Man Running (🏃‍♂️):  Execute a command on a victim’s device. This command receives an argument, which is the command to execute.

• Index Pointing up (👆) : Upload a file to the victim's device. The file to upload is attached along with this emoji

Analysis:   

The analysis was carried out for one of the indicator of compromised SHA-256 hash file-  C981aa1f05adf030bacffc0e279cf9dc93cef877f7bce33ee27e9296363cf002.

It is found that most of the vendors have marked the file as trojan in virustotal and the graph explains the malicious nature of the contacted domains and IPs.

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Discord & C2 Communication  for UTA0137:

• Stealthiness: Discord is a well-known messaging platform used for different purposes, which means that sending any messages or files on the server should not attract suspicion. Such stealthiness makes it possible for UTA0137 to remain dormant for greater periods before launching an attack.

• Customization: UTA0137 connected to Discord is able to create specific channels for distinct victims on the server. Such a framework allows the attackers to communicate with each of the victims individually to make a process more accurate and efficient.

• Emoji-based protocol: For C2 communication, emojis really complicates the attempt that Discord might make to interfere with the operations of the malware. In case the malicious server gets banned, malware could easily be recovered, especially by using the Discord credentials from the C2 server.

• Persistence: The malware, as stated above, has the ability to perpetually exist to hack the system and withstand rebooting of systems so that the virus can continue to operate without being detected by the owner of the hacked system.

• Advanced capabilities: Other features of DISGOMOJI are the Network Map using Nmap scanner, network tunneling through Chisel and Ligolo and Data Exfiltration by File Sharing services. These capabilities thus help in aiding the espionage goals of UTA0137.

• Social engineering: The virus and the trojan can show the pop-up windows and prompt messages, for example the fake update for firefox and similar applications, where the user can be tricked into inputting the password.

• Dynamic credential fetching: The malware does not write the hardcoded values of the credentials in order to connect it to the discord server. This also inconveniences analysts as they are unable to easily locate the position of the C2 server.

• Bogus informational and error messages: They never show any real information or errors because they do not want one to decipher the malicious behavior easily.

Recommendations to mitigate the risk of UTA0137:

• Regularly Update Software and Firmware: It is essential to regularly update all the application software and firmware of different devices, particularly, routers, to prevent hackers from exploiting the discovered and disclosed flaws. This includes fixing bugs such as CVE-2024-3080 and CVE-2024-3912 on ASUS routers, which basically entails solving a set of problems.

• Implement Multi-Factor Authentication: There are statistics that show how often user accounts are attacked, it is important to incorporate multi-factor authentication to further secure the accounts.

• Deploy Advanced Malware Protection: Provide robust guard that will help the user recognize and prevent the execution of the DISGOMOJI malware and similar threats.

• Enhance Network Segmentation: Utilize stringent network isolation mechanisms that seek to compartmentalize the key systems and data from the rest of the network in order to minimize the attack exposure.

• Monitor Network Activity: Scanning Network hour to hour for identifying and handling the security breach and the tools such as Nmap, Chisel, Ligolo etc can be used.

• Utilize Threat Intelligence: To leverage advanced threats intelligence which will help you acquire knowledge on previous threats and vulnerabilities and take informed actions.

• Secure Communication Channels: Mitigate the problem of the leakage of developers’ credentials and ways of engaging with the discord through loss of contact to prevent abusing attacks or gaining control over Discord as an attack vector.

• Enforce Access Control: Regularly review and update the user authentication processes by adopting stricter access control measures that will allow only the right personnel to access the right systems and information.

• Conduct Regular Security Audits: It is important to engage in security audits periodically in an effort to check some of the weaknesses present within the network or systems.

• Implement Incident Response Plan: Conduct a risk assessment, based on that design and establish an efficient incident response kit that helps in the early identification, isolation, and management of security breaches.

• Educate Users: Educate users on cybersecurity hygiene, opportunities to strengthen affinity with the University, and conduct retraining on threats like phishing and social engineering.

Conclusion:

The new threat actor named UTA0137 from Pakistan who was utilizing DISGOMOJI malware to attack Indian government institutions using embedded emojis with a command line through the Discord app was discovered by Volexity. It has the capability to exfiltrate and aims to steal the data of government entities. The UTA0137 was continuously improved over time to permanently communicate with victims. It underlines the necessity of having strong protection from viruses and hacker attacks, using secure passwords and unique codes every time, updating the software more often and having high-level anti-malware tools. Organizations can minimize advanced threats, the likes of DISGOMOJI and protect sensitive data by improving network segmentation, continuous monitoring of activities, and users’ awareness.

References:

https://otx.alienvault.com/pulse/66712446e23b1d14e4f293eb

https://thehackernews.com/2024/06/pakistani-hackers-use-disgomoji-malware.html?m=1

https://cybernews.com/news/hackers-using-emojis-to-command-malware/

https://www.blackhatethicalhacking.com/news/disgomoji-new-linux-malware-uses-emojis-for-command-execution/

https://www.volexity.com/blog/2024/06/13/disgomoji-malware-used-to-target-indian-government/

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