URLZone, also known as Bebloh, operated as a man-in-the-browser banking trojan that intercepted online banking sessions, manipulated browser content, and concealed fraudulent activity from victims. Researchers reported that the malware altered balances and transaction views to make fake transfers appear legitimate, including scams in which victims were told an erroneous credit had been deposited and that their account would remain frozen until the money was returned to an attacker-controlled account. The campaign relied on web-inject techniques similar to other banking malware, but URLZone stood out for hiding unauthorized transfers directly inside the victim’s banking session.
The malware was commonly delivered through spam attachments posing as DHL notices, holiday bookings, or fake flight information, then injected code into Windows processes such as iexplore.exe, explorer.exe, svchost.exe, and winlogon.exe. Analysts said it used a centralized but frequently changing command-and-control infrastructure, encrypted configuration data with layered encoding and XXTEA, and maintained persistence through techniques including userinit.exe hijacking and later a stealthier method that injected into explorer.exe, deleted its on-disk executable, and recreated itself at shutdown via a randomly named .lnk autostart entry. Those changes improved antivirus evasion while preserving the trojan’s core role of stealing banking credentials and facilitating account fraud.

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The first known URLZone variant dates back to September 2009. URLZone, also known as Bebloh, was identified as a man-in-the-browser banking trojan.
An updated Bebloh variant introduced a technique in which it injected into explorer.exe, deleted its original executable, and stayed largely absent from disk and the registry during normal runtime. On shutdown-related Windows messages, it wrote itself back to disk and created persistence via a randomly named .lnk autostart entry.
G Data reported that Bebloh infections had risen significantly in recent months and that the malware ranked among the top three banking trojans in November. The newer variant was distributed through spam emails with fake flight information attachments.
Germany’s Federal Criminal Police (BKA) warned consumers about a Windows banking malware strain that waited for victims to log in, then claimed an erroneous credit had been deposited and that the account was frozen until the money was returned. The malware altered displayed balances and presented a pre-filled transfer form to send funds to attacker-controlled accounts.
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