All I wanted was a swimming pool. What I got was a $31,000 lesson in Zelle fraud.

<p><div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"><p class="source"><span>Kimberly White/Getty Images for Vanity Fair</span></p><p class="caption">Twitter Co-Founder and Chairman and Square CEO Jack Dorsey speaks onstage during 'From 7 Dwarves to 140 Characters' at the Vanity Fair New Establishment Summit at Yerba Buena Center for the Arts on October 9, 2014 in San Francisco, California.</p></div><p></p></div></div>Good morning! Here's the tech news you need to know today.</p><p><strong>1. <a href="http://uk.businessinsider.com/apple-in-talks-to-launch-an-mvno-in-the-us-and-europe-2015-8">Apple is in talks to launch an MVNO service in the US and Europe.</a></strong> The company wants customers to pay it directly for data, and it will then lease capacity from carriers.</p><p><strong>2. <a href="http://uk.businessinsider.com/twitter-share-price-august-3-2015-8">Twitter shares closed at a record low yesterday.</a></strong> Stock was down 5.6%, continuing the slide that started after the company's earnings call.</p><p><strong>3. <a href="http://uk.businessinsider.com/apple-siri-voicemail-transcription-service-2015-8">Apple is testing a service that will use Siri to transcribe your voicemails.</a></strong> iCloud Voicemail could launch in 2016 as part of iOS 10.</p><p><strong>4.<a href="http://uk.businessinsider.com/just-eat-first-half-2015-shows-huge-growth-2015-8"> Just Eat has published results for the first half of this year, and it's growing incredibly fast.</a></strong> Orders, revenue, earnings, and profit all grew by over 50%.</p><p><strong>5. <a href="http://uk.businessinsider.com/zena-burns-leaves-tidal-after-2-months-2015-8">A senior Tidal executive has left the company after just two months.</a></strong> Zena Burns was the senior vice president of label and artist relations at Jay Z's music streaming service.</p><p><strong>6. <a href="http://uk.businessinsider.com/reddit-pageview-record-2015-8">Reddit hit a page view record in July, despite protests and high-profile departures.</a></strong> It brought in over 8 billion page views.</p><p><strong>7. <a href="http://uk.businessinsider.com/r-indias-snapdeal-to-raise-500-million-from-alibaba-softbank-foxconn-source-2015-8">Indian marketplace Snapdeal raised $500 million (£320 million) in new funding.</a></strong> The money comes from Alibaba, SoftBank and Foxconn.</p><p><strong>8. <a href="http://uk.businessinsider.com/soylent-20-introduces-new-bottles-2015-8">Meal replacement startup Soylent has launched the second version of its product.</a></strong> Soylent 2.0 comes pre-mixed in recyclable bottles.</p><p><strong>9. <a href="http://uk.businessinsider.com/yahoos-advertising-network-is-being-targeted-by-hackers-malwarebytes-says-2015-8">Hackers are using ads on Yahoo's sites to direct users to malware.</a></strong> Researchers say that the campaign started on July 28 and is still happening.</p><p><strong>10. <a href="http://uk.businessinsider.com/interpol-has-launched-a-dark-web-training-scheme-for-agents-2015-8">Interpol is creating its own darkweb so that it can better understand how criminals work.</a></strong> It's also going to simulate takedowns of darkweb sites.</p>    <div class="margin-top">        <h3>NOW WATCH: <a href="http://www.businessinsider.com/killing-off-disease-spreading-mosquitoes-2015-6">Should we kill off one of the most dangerous creatures in the world?</a></h3>        <div>            <div>        <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="lpd3lodTpxXMq8NSPc-xe5q-zK106WUF" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div>        </div>        </div>            </div>

10 things in tech you need to know today

<p><div class="KonaFilter image-container display-table float_right click-to-enlarge"><div><div class="image"><a title_source="Reuters" title_caption="" class="zoomin" href="http://static2.businessinsider.com/image/52fb8bb66bb3f7f871c7f416-960/marijuana-weed-smoking-6.jpg"><span class="sprites click-to-enlarge-icon" title="Click to enlarge"></span></a><p class="source"><span>Reuters</span></p></div><p></p></div></div>The anonymous market community has been excited about Utopia for a long time, but it seems that the anticipation was for naught - Dutch police seized the site yesterday, <a href="http://www.pcworld.com/article/2096740/dutch-police-seize-hidden-online-marketplace-utopia.html">reports PC World</a>.</p>
<p><a href="http://www.businessinsider.com/utopia-anonymous-marketplace-2014-2">We've reported on Utopia before</a>, but for the uninitiated, it was the Bitcoin-fueled marketplace that was supposed to step in and become the new go-to destination for drugs and whatever else you could want after the shutdown of the first Silk Road. It opened and operated for several days, but those days are behind us.</p>
<p>Utopia's forum, where customers and vendors can communicate with each other, was not seized and is still operational. There is a lot of talk on how to regroup and set up another Utopia-like shop. This shutdown is "<span style="line-height: 1.5em;">a serious blow to the darkweb marketplace community" and people need to "regroup, and do it again[...] </span><span style="line-height: 1.5em;">Show them that you, we, are a hydra - cut off one head and ten more spring up."</span></p>
<p>Dutch officials aren't sharing much information at all. There's no word on if any arrests were made, or even how the site was seized. More details are to come this week, they say.</p>

'Utopia' -&#160;The Bitcoin Market For Criminals&#160;- Has Been Shut Down By Dutch Police

<p><div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"><p class="source"><span>Flickr/cybershotking</span></p><p class="caption">Interpol is creating a dark web training ground for agents.</p></div><p></p></div></div>Interpol is creating a private dark web network where it hopes to reverse engineer the technologies used by cyber criminals to avoid law enforcement.</p><p>The dark web is an area of the web that does not appear on the open Internet. Sites hosted on it do not appear in regular search engines and require specific tools to be accessed.</p><p><a href="http://www.interpol.int/News-and-media/News/2015/N2015-108" title="INTERPOL Darknet training shines light on underground criminal activities">Interpol announced its plans</a> to create its own dark web network in a press release. The testing ground will be run by Interpol's Cyber Research Lab. It will simulate real dark web practices, such as private cryptocurrency transactions on underground cyber marketplaces.</p><p>The simulated dark web will be used in a five-day Interpol training course. The course will help train law enforcement officers in how criminals on the darkweb operate. The course will also include simulated dark web takedown operations.</p><p>Interpol director of cyber innovation Madan Oberoi said the training is essential, as many law enforcement departments do not have the skills needed to combat cyber criminals operating on the dark web.</p><p>"Darknets are fast emerging as the preferred trading venue for organized crime networks and individuals to carry out illicit activities, with cryptocurrencies the preferred medium for paying for these criminal services," he said.</p><p>"The specialised training provided by Interpol equips law enforcement with the understanding and tools they need to take very real action targeting criminals in the virtual world."</p><p>The technical details of the training scheme remain unknown, as does which law enforcement agencies have signed up to take it. Business Insider has reached out to Interpol.</p><h2>The cyber black market problem</h2><p>Interpol's training scheme is part of a wider effort by law enforcement to combat digital black markets.</p><p><a href="http://uk.businessinsider.com/darkode-fbi-shuts-down-the-worlds-most-dangerous-hacking-forum-arrest-70-2015-7" title="All the details about the FBI's Darkode takedown in 6 easy facts">The FBI led an international sting operation against the "Darkode" black market in July.</a> Darkode is a members-only hacking forum that grants members access to an underground network where they can buy, sell, or trade attack tools and stolen goods.</p><p>It was shut down on July 15 as a part of an 18-month operation, codenamed Shrouded Horizon, that involved law enforcement from 20 countries. The operation lead to the arrest of 28 people, <a href="http://uk.businessinsider.com/darkode-suspects-include-an-ex-fireeye-intern-and-alleged-botnet-masters-2015-7" title="These are the three scariest alleged Darkode hackers arrested during the FBI's 'Operation Shrouded Horizon'">including three men believed to have created some of the hacking tools being traded on the forum.</a></p><p><a href="http://uk.businessinsider.com/darkode-admin-returns-with-new-and-improved-hacking-site-2015-7" title="It took 2 weeks for the world's most dangerous hacking forum to get back online after the FBI shut it down">A new, more secure, version of Darkode appeared less than two weeks after the operation.</a> It is believed to be run by one of the old site's administrators.</p>    <div class="margin-top">        <h3>NOW WATCH: <a href="http://www.businessinsider.com/iphone-ios-9-new-features-2015-6">The 12 best new features coming to the iPhone</a></h3>        <div>            <div>        <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="5maTJrdTpgHbMWUI2q_PxsufXl1FPqkr" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div>        </div>        </div>            </div>

One of the world's biggest law enforcement agencies is creating its own dark web

<p><span><div class="KonaFilter image-container display-table float_right"><div><div class="image on-image"><p class="source"><span>Reuters</span></p><p class="caption">Customers use computers at an internet cafe in Taiyuan, Shanxi province on June 29, 2009.</p></div><p></p></div></div>Cyberattacks on American targets are an emerging national-security threat and an issue for US foreign policy.</span></p><p><span>But for all the dangers of state-backed, politically motivated hacking, profit-motivated cybercriminals are a more frequent and perhaps much greater hazard for the majority of people.<br /></span></p><p><span>North Korea may <a href="http://www.businessinsider.com/sony-hack-should-be-considered-an-act-of-war-2014-12">be able to hobble a major movie studio</a>, and the Chinese government has <a href="http://breakingdefense.com/2013/06/top-official-admits-f-35-stealth-fighter-secrets-stolen/">frequently stolen information on US defense hardware</a>. </span></p><p><span>But individuals are much softer targets than governments or major corporations. And every individual has access to information - ranging from medical data to bank-account numbers to online passwords to basic biographical information - off which enterprising hackers can profit.</span></p><p><span>Flashpoint, a private intelligence firm that researches online criminal networks, released Thursday its annual report on "highlights and trends in the deep and dark web." </span><span>The report, which was provided to Business Insider, gives a sense of how online criminality evolved in 2015. </span></p><p><span>The firm, which provides proprietary intelligence on dark-web activity, gathered some jarring data about the ease and apparent banality of contemporary online criminal enterprises. For example, Flashpoint found one online marketplace on which cybercriminals were selling hacking victims' birth dates for as little as $3, for use in verifying fraudulent Google Wallet accounts.</span></p><p><span>The Flashpoint report portrays an online criminal community that's becoming increasingly transnational. And with the help of growing foreign connections, dark web users in a country that's been at the forefront of politically motivated hacking are starting to make a splash on the criminal scene as well.</span></p><p>Flashpoint's experts have "observed increasing signs indicating the maturing and internationalization of the Chinese cybercrime underground," the report said.</p><p><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span>Bank of America</span></p><p class="caption">Graphic from a Bank of America report depicting cyber attacks during a single 11-hour period in August of 2015.</p></div><p></p></div></div>As the report explained, Chinese cyber criminals have typically transacted through on "one-on-one engagements negotiated via private messages or instant messenger applications." </p><p>But over the past year, they've shown signs of moving on to web forums and established networks that don't depend on this degree of personal contact. And, according to Flashpoint, these forums are usually "within the Russian underground."</p><p>Russia is considered to be the global leader in for-profit hacking, with Russian cyber crime <a href="http://www.nbcnews.com/news/world/skilled-cheap-russian-hackers-power-american-cybercrime-n22371">representing an estimated $2 billion industry in 2014</a>, according to </p><p><span>"Flashpoint has noted an uptick in Chinese-speaking actors operating on international, yet Russian-run, cybercrime forums such as </span><span>Lampeduza, Crdclub, and Infraud," the report said. </span></p><p>Chinese cybercriminals also appear to be learning from the example of Russian-based networks and establishing web forums within China, for specific use by Chinese cybercriminals.</p><p>"<span>Taking a page from the Russian model, some Chinese cybercriminals have estab</span><span>lished native Chinese communities or shops of their own," the report noted. </span></p><p><span>Though these networks' users are typically limited to China, they include two sizable online shops dedicated to trading in stolen personal information and facilitating illicit purchases.</span></p><p><span><div class="KonaFilter image-container display-table"><div><div class="image on-image"><p class="source"><span>Photo by Greg Bowker - Pool/Getty Images</span></p><p class="caption">Chinese President Xi Jinping raises his glass for a toast during his talk before lunch at SkyCity Grand Hotel on November 21, 2014 in Auckland, New Zealand.</p></div><p></p></div></div></span><span>The fact that Chinese for-profit hackers are becoming more like Russia's in their behavior and practices has some alarming implications. China has a population of over 1.3 billion, <a href="http://www.cnn.com/2015/02/03/world/china-internet-growth-2014/">some 649 million of whom are web users</a> - making for a sizable pool of current and future cybercriminals. As it is, China is already <a href="http://www.wsj.com/articles/report-warns-of-chinese-hacking-1445227440">one of the world's most prolific and dangerous hacking nations</a>. </span></p><p><span>At the same time, Russian dark web networks are a partial reflection of the country's existing criminal culture, which exists in a context of widespread official corruption and <a href="http://www.rferl.org/content/putins-mafia-statecraft/27329898.html">close ties between organized crime and the state</a>. The environment for enterprising cyber criminals isn't quite as friendly in China, a more thoroughly oppressive state with <a href="http://www.wsj.com/articles/china-touts-its-great-firewall-in-push-for-internet-control-1450251090">strict web controls</a> and a leader in President Xi Jinping, who's made a <a href="http://www.theatlantic.com/international/archive/2015/04/xi-jinping-china-corruption-political-culture/389787/">far-reaching anti-corruption push</a> one of his top priorities. </span></p><p><span>Xi also made a point of <a href="http://money.cnn.com/2015/09/23/news/companies/xi-jinping-tech-leaders/">meeting with Silicon Valley tech-industry leaders</a> during a September 2015 trip to the US, a sign of how highly Beijing values some of its business relationships in the US. Giving a free reign to cybercriminals - as Russia arguably has - would go against a number of Xi's apparent priorities.</span></p><p><span>As the Flashpoint report said: "S<span>o-called 'internet purification operations'</span><span> conducted by </span><span>the Chinese authorities ... </span><span>will limit the growth of native sites."</span></span></p>    <div class="margin-top">        <h3>NOW WATCH: <a href="http://www.businessinsider.com/this-rare-color-footage-is-unlike-anything-weve-seen-from-wwii-2016-1">Rare color film shows what it was like in the Marines during WWII</a></h3>        <div>            <div>        <div class="ooyala-video-player" data-video-autoplay="false" data-video-id="V0dWdkMDE6LixZY8l3IEJUyzvw1TucKn" data-player-variable="ooyalapopvideo" id="ooyalaplayer_popvideo" style="width:1280px;height:720px"></div>        </div>        </div>            </div>

You Searched For "darkweb" and got 5 results

All I wanted was a swimming pool. What I got was a $31,000 lesson in Zelle fraud.

Devin Friedman

10 things in tech you need to know today

James Cook

'Utopia' - The Bitcoin Market For Criminals - Has Been Shut Down By Dutch Police

Dylan Love

One of the world's biggest law enforcement agencies is creating its own dark web

Alastair Stevenson

A new report paints an alarming picture about the kind of cybercrime you rarely hear about

Armin Rosen

You Searched For "darkweb" and got 5 results

All I wanted was a swimming pool. What I got was a $31,000 lesson in Zelle fraud.

Devin Friedman

10 things in tech you need to know today

James Cook

'Utopia' -&#160;The Bitcoin Market For Criminals&#160;- Has Been Shut Down By Dutch Police

Dylan Love

One of the world's biggest law enforcement agencies is creating its own dark web

Alastair Stevenson

A new report paints an alarming picture about the kind of cybercrime you rarely hear about

Armin Rosen

'Utopia' - The Bitcoin Market For Criminals - Has Been Shut Down By Dutch Police