Third‑party Messaging as Attack Vector

Fintech platforms that outsource customer notifications or messaging to third‑party systems risk having those channels hijacked to deliver scams (e.g., fake $10,000 crypto asks) and to expose customer personally identifiable information (names, addresses, phones, DOB). The incident requires rules for vetting vendors, mandatory provenance of outbound notifications, rapid consumer notification standards, and incident reporting obligations. — This reframes a recurring cyber‑risk into a specific policy and regulatory target: require auditing and liability standards for messaging vendors used by financial and payment platforms to prevent large‑scale scams and PII exposure.