The very essence of clothing carding is based on the fact that you can buy goods (equipment, clothing, electronic goods, etc.) at someone else's expense, using credit card and bank account data. At the same time, there are a lot of options where you can immediately receive money for your work result, without even touching the product with your hands.

However, the banking system builds additional layers of scalability onto those types of settlement layers, so we have things like paper checks, electronic checks, credit cards, PayPal, and so forth. Consumers can use these systems to perform a large number of smaller transactions, and the underlying banks settle with each other with more foundational, larger transactions less frequently.

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