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There is...you're asked about your bank account, then few days later you receive $100,000 along with info to send it to another 5 accounts $20,000 each. Guess what happens next?

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That's just a straight-up scam rather than laundering, generally (the money resulting from _that_ would then need laundering).

Money muling (the activity I described above) is a type of money laundering.

Oh, I assumed you were referring to the style of scam where a reversible/essentially phantom payment is made to someone's account (traditionally cheque, but it happens with credit transfers), and they make _real_ payments elsewhere (either via cash, crypto, or more difficult to reverse credit transfer). Initial transfer bounces, victim (or _maybe_ bank, depending) is out 100k.

It's just not that useful in Sweden, I'd assume. You want to get the money into the banking system and stay there. What you describe is easily traceable and reversed. Unless you transfer it abroad to... less civilized countries, it's not really helping you.

I find it really hard to believe that this Spotify scam is more effective than some classic Forex scam.

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