Scams aren’t the only type of cybercrime that’s often exempt from ID theft policies. Other common exemptions include cyber extortion (which usually includes ransomware), cyberbullying, and title fraud. I think most people would describe these events as ID theft when speaking casually, but ID theft services may disagree.
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With the MAC in hand, routing is simple. Keep a table of which MAC belongs to which tenant, forward the whole packet (header and encrypted payload, untouched) to the right backend.