These people are usually called mules or money mules, inheriting the name from drugs smuggled on an individual courier. Usually they are tricked into immediate

These people are usually called mules or money mules, inheriting the name from drugs smuggled on an individual courier. Usually they are tricked into immediately depositing the cash into an array of destination accounts; this part is called smurfing. Sometimes they are told to buy physical goods and have them shipped, usually to a third country. Cuckoo smurfing is a clever variant where the mules think they are receiving a legitimate payment, e.g. an inheritance, and they have to pay some beneficiaries, or they think they are shipping agents, doing drop shipping, and they have to pay their suppliers. People are gullible.