President Donald Trump has made securing America’s borders a defining priority of his administration — and it’s working. But the cartels adapt in real time, and one of their most powerful tools isn’t a tunnel under the border. It’s a smartphone and a crypto wallet.

As a retired police officer in southern Arizona, I’ve seen firsthand how quickly criminals exploit gaps in the system. Right now, one of the most consequential gaps isn’t at our southern border. It’s in our financial laws.