WindRelay NFC relay malware with SpyNote RAT

New WindRelay NFC relay malware combined with SpyNote RAT for real-time card fraud. 23 samples found, NFC attacks up 188% in 2026, active in CEE and expanding. New operational details: 13-minute call timeline, personalized app labels, loan application angle. Real victims losing money in real-time via vishing+malware combo.