Police and the Bank of Thailand say scam money can leave the system within about 3-5 minutes of a victim's transfer, with roughly 70% gone in that window, while victims typically take around 20 hours to notice and report. Banks are now freezing a person's accounts across several banks, limiting receipts, withdrawals and new accounts for suspected mule accounts, and sharing data with the Department of Business Development on company directors and shareholders. For a business owner this means: verify unusual payment requests from staff or customers before sending, do not lend your account or let others use it for transfers or KYC, and report fraud to the bank immediately, since speed matters most.