1. The "Money Mule" Trap In the US, using an account to move money for someone else is a federal crime (money laundering). Even if you don’t know where the money came from, if you provide the account, you are the one the FBI or Bank of America will go after. Since you are in Kenya, if they flag that account, it gets shut down instantly, the money gets frozen, and you (or your "guy") end up blacklisted from international banking. 2. Why Zelle? Scammers love Zelle because it's like cash—once the money is sent, it’s gone. There’s no "chargeback" or protection. They usually send stolen money into an account, have the owner Zelle it out to a crypto wallet or another account, and then when the original victim reports the theft, the bank takes the money back from the account owner, leaving them in debt and in legal trouble.