A PayPal Money Adder (also called a PayPal Money Generator or PayPal Hack Tool) is a piece of software—usually a .exe file for Windows or an APK for Android—that claims to exploit a loophole in PayPal’s servers.
The scammer tells you they need a "processing fee" or "server unlock code." Victims, blinded by the promise of $10,000, send $50 via Friends & Family (which has no buyer protection). They are then blocked.