New Chinese-Made ‘RatHat’ Android Malware Leverages AI to Steal Financial Datanew
Zimperium details RatHat, a new Android banking trojan using a generative AI engine to automate credential and OTP theft.
Zimperium's zLabs identified RatHat, an Android malware delivered as fake APKs via malvertising, smishing and third-party forums, and published its analysis on September 16. Its three-part architecture combines a malicious app, a Go agent (liblocal-service.so) running privileged commands through the ADB shell, and an FRP client (libmedia_codec.so) maintaining a reverse tunnel to the C2. The app harvests banking credentials, notifications, 2FA codes and OTPs and captures screens and inputs, while a dropper abuses SessionInstaller APIs to bypass Android's restricted settings behind four anti-analysis and one anti-debug layers. Notably, RatHat serializes the Accessibility tree to XML and queries a generative AI assistant, likely Google's Gemini, in Mandarin to resolve click coordinates and navigation commands.