How to use Xcaret100 to Transfer Credit Cards Funds Without OTP Or PIN? XCARET100 is a Bank Hacking Tool developed to solve the issue of Transferring Funds from stolen or hacked cards in Nigeria without having OTP verification issues or PIN. With XCARET100 Apk app specially designed for Android, PC users, anyone can make bank transfers without OTP. Let me break down the two functions of this tool. XCARET100 is a Bank Hacking Tool developed to solve the issue of Transferring Funds from stolen or hacked cards in Nigeria without having OTP verification issues or PIN. With XCARET100 Apk app specially designed for Android, PC users, anyone can make bank transfers without OTP. Let me break down the two functions of this tool. XCARET100 for Transfer You only have to do your normal Bank Transaction. By entering your card number, Card cvv, card expiration date. XCARET100 don’t ask for ATM pin nor OTP. XCARET100 for Shopping: This Tool Have its own Inbuilt mobile Browser which makes