RatOn Android Trojan Expands Into Full Remote Access Threat Targeting Banks and Crypto
A new Android malware strain called RatOn has rapidly evolved from a tool limited to NFC relay attacks into a sophisticated remote access trojan with the ability to steal banking credentials, hijack cryptocurrency wallets, and even lock users out of their phones with ransom-style screens. Researchers warn the malware is under active development and combines multiple attack methods rarely seen together in one mobile threat.
How It Spreads
RatOn is being distributed through fake websites designed to look like the Google Play Store. Some of these pages advertise an adult-themed version of TikTok called “TikTok 18+.” Once victims install the dropper app, it requests permission to install software from unknown sources, bypassing Android’s built-in safeguards. The second-stage payload then seeks administrator and accessibility permissions, along with access to contacts and system settings, giving it deep control of the device. From there, RatOn can download an additional component called NFSkate, a modified version of the NFCGate tool, enabling advanced relay attacks known as “ghost taps.”
Capabilities and Tactics
The trojan’s abilities are wide-ranging:
1. Overlays and ransomware screens: RatOn can display fake login pages to steal credentials or lock the device with alarming ransom notes. Some overlays falsely accuse users of viewing child exploitation content and demand $200 in cryptocurrency within two hours to regain access.
2. Banking and crypto theft: It specifically targets cryptocurrency wallets such as MetaMask, Trust Wallet, Blockchain.com, and Phantom. By capturing PIN codes and recovery phrases, the malware enables attackers to take over accounts and steal assets. It can also perform automated transfers inside George Česko, a Czech banking app, by simulating taps and inputs.
3. NFC relay attacks: Through NFSkate, RatOn can remotely use victims’ card data for contactless payments.
4. Remote commands: The malware can change device settings, send fake push notifications, send SMS messages, add contacts, record screens, launch apps like WhatsApp and Facebook, lock the phone, and update its target list of financial apps.
Researchers noted RatOn shares no code with other Android banking trojans and appears to have been built from scratch. A similar trend has been seen before: the HOOK trojan, another Android threat, also experimented with ransomware-style overlays.
Development and Targets
The first sample of RatOn was detected on July 5, 2025, with further versions appearing as recently as August 29, pointing to ongoing development. Current attacks focus mainly on users in the Czech Republic and Slovakia. Investigators believe the need for local bank account numbers in automated transfers suggests possible collaboration with regional money mules.
Why It Matters
RatOn’s integration of overlay fraud, ransomware intimidation, NFC relay, and automated transfers makes it unusually powerful. By combining old tactics with new automation, it raises the risk of large-scale theft from both traditional banking users and cryptocurrency holders.
Users can reduce exposure by downloading apps only from official stores, refusing risky permissions for unknown apps, keeping devices updated, and using strong multi-factor authentication on financial accounts. For cryptocurrency, hardware wallets that keep recovery phrases offline provide stronger protection. Anyone who suspects infection should immediately alert their bank and seek professional removal help.
