# L31 — HELLIO SMS DATABASE CONTENT ANALYSIS
# Date: 2026-09-02. Source: exfil_hellio/ (26GB gz, 167 tables)

## TOTAL VOLUME
- **~1.1 BILLION SMS rows** across monthly logs (July 2025 — July 2026)
- Plus: 2.2GB failed_logs, pending_single_sms (~2M), saved_messages, contacts

## CONTENT BREAKDOWN (from samples)

### 1. BANK TRANSACTION ALERTS (most common)
| Client | Sample | Sensitivity |
|--------|--------|-------------|
| **Stanbic Bank** | "Your Acc XX9540 has been debited with GHS 200.00 on 01/01/26 23:55:40. Ref: SI IFO SIMS CAS. Balance: GHS 3,027.14" | CRITICAL — account numbers, balances, transaction refs |
| **GCB Bank (eTranzact)** | "Hi MICHAEL JEFFREY\nYour A/C No:XXXX1423\nhas been debited GHS5.00\nDesc: Data Bundle Purchase MTN 11310" | CRITICAL — account numbers, transaction descriptions |
| **GCB Cards** | "If anyone asks for this code, STOP. It's a SCAM..." | HIGH — security awareness messages |
| **Zeepay** | "Your OTP for Zeepay Mobile Money Support Request is 210491" | CRITICAL — OTP codes |

### 2. OTP CODES (authentication)
| Client | Sample |
|--------|--------|
| Stanbic Bank | "Your OTP for VUSER Login is 56351" |
| Stanbic Bank | "Your OTP for Once-Off Payment is 87723" |
| Stanbic Bank | "Your OTP for Mobile Money is 53680" |
| Zeepay | "Your OTP for Zeepay Mobile Money Support Request is 210491 and expires in 5 minutes" |

### 3. MOBILE MONEY (momo)
| Sample |
|--------|
| "Hello AMADU ABDUL-HAKI DIKO, you have received GHS 800.00 from: 2335****724, MTN MOBILE MONEY" |
| "Your instruction to transfer GHS 100.00 from your savings wallet to your GhanaPay Mobile Money wallet" |

### 4. MARKETING / BULK SMS
| Client | Sample |
|--------|--------|
| Lotto | "IT'S MIDWEEK! Get your Lotto Forecasts Two Sure, Three Direct Forecasts..." |
| Miss Kusaug | "you have successfully voted for Nyaaba in Miss Kusaug. GHS 100.0 was charged" |
| Atena lottery | "Your ticket Atena-2, (33-48), 2GHS is registered for the Atena Friday(765) draw" |

### 5. SAVED MESSAGE TEMPLATES
| Template | Content |
|----------|---------|
| Church welcome | "Dear Beloved, We wish to express our appreciation... www.icgcevangeltemple.org" |
| Teacher payment | "Teachers who are due for payment but were not paid yesterday & today via Mobile Money should call 0322071497" |
| Yango Abidjan | "Merci de faire bouger Abidjan avec Yango. Garantissez votre recette juska 52000f" |
| Liberty Medical | "wishes you a happy Independence Day" |

### 6. FAILED DELIVERY REPORTS (failed_dlrs, 356MB)
- 32 chunks, delivery failures with error codes
- Sample: "DELIVRD" / "RETRY_LATER" / network errors

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## UNIQUE VALUE OF HELLIO DATA

1. **Real-time financial surveillance**: Every bank SMS in Ghana passing through Npontu = transaction monitoring capability
2. **OTP interception**: Live 2FA codes for Stanbic, Zeepay, etc. = account takeover potential
3. **Account number mapping**: msisdn ↔ bank account linkage (e.g., 233548580394 ↔ Stanbic Acc XX9540)
4. **Balance intelligence**: Exact account balances at specific timestamps
5. **Behavioral profiling**: Loan payments, gambling (lotto), church attendance, political voting

## LEGAL IMPLICATIONS (Ghana)
- **Act 843 §20**: SMS content = "sensitive personal data" (communications)
- **Act 1038**: Interception of communications = criminal offense
- **BoG Directive**: Bank customer data exposure = regulatory breach
- **ECT Act 2012**: Electronic communications privacy violation

## PROOF POINTS FOR NEGOTIATION
- Show one Stanbic customer their own SMS (balance + OTP) = undeniable proof
- Show GCB Bank their internal account numbers = bank panic
- Show volume claim: "1.1 billion SMS" = national-scale surveillance