realise how damaging was this one time passcode. stealing one time passcodes is a growing criminal trend. i started investigating how one gang offered to help fraudsters do it with a highly professional automated service. otp agency marketed themselves through the telegram app. they used videos like this to advertise their services while hiding who they were. the group was even on the review site trust pilot. it was a highly rated service. so how did it work? imagine a criminal client of otp agency has got hold of your details. they try to buy something — and when they do, your bank sends you a one time passcode to check that it is you making the payment.