Criminal AI-as-a-Service in 2026: How the Underground Market Is Operationalizing Cybercrime

Introduction The underground market for criminally oriented generative AI has moved beyond the early hype surrounding ‘malicious chatbots.’ The gradual integration of AI as a productivity layer within cybercrime operations has become the dominant story, indicating that while the potential for fully autonomous AI hacking systems is possible, attackers are not embracing them as expected. Instead, threat actors are increasingly using AI to accelerate routine, but operationally significant, tasks to