The Good Tech Companies - Why One Lock Isn’t Enough: How Buburuza Designs Multi-Layer Security for AI Banking

Episode Date: December 18, 2025

This story was originally published on HackerNoon at: https://hackernoon.com/why-one-lock-isnt-enough-how-buburuza-designs-multi-layer-security-for-ai-banking. Why AI banking needs multi-layer security, not just encryption. Buburuza’s COO explains how to stop deepfake fraud and breaches. Check more stories related to cybersecurity at: https://hackernoon.com/c/cybersecurity. You can also check exclusive content about #ai-banking-security, #deepfake-fraud, #ai-enabled-cyber-threats, #banking-risk-management, #buburuza-ai-bank, #multi-agentic-security, #financial-fraud-prevention, #good-company, and more. This story was written by: @sanya_kapoor. Learn more about this writer by checking @sanya_kapoor's about page, and for more stories, please visit hackernoon.com. Buburuza COO Grygoriy Bakalor explains why AI banking security must go beyond single-layer encryption. With deepfake fraud surging and breaches eroding trust, banks need multi-layer, multi-agentic defenses that isolate threats, prevent insider risk, and protect users even from mistakes—delivering security that works invisibly but decisively when needed.

This audio is presented by Hacker Noon, where anyone can learn anything about any technology. Why one lock isn't enough. How Buberusa designs multi-layer security for AI banking, by Sonia Kapoor. Encryption protects your banking data, but here's what most people miss. Encryption alone leaves you vulnerable. Think about your home. You wouldn't secure your entire house with just a front door lock and call it safe. You need multiple barriers like locks on Windows, security systems, motion sensors. AI banking works the same way. The problem with single-layer security is simple. When attackers break through, they access everything. What happens when one door opens? When an attack succeeds against single-layer security, the breach happens fast.

Funds disappear. Data gets compromised. Your account becomes an open vault. Multi-layered platforms work differently. They trap attacks in isolated zones, which is like locking an intruder in one while securing the rest of your house. The attack hits a dead end because the system was designed to contain threats, not just detect them. But the real damage goes beyond stolen money. Imagine your mom's retirement funds which took her decades of hard work just vanishing because security wasn't enough. You'd tell your colleagues, your family, your friends. They'd share it with their networks. One breach doesn't just lose one customer. It loses entire communities. Research confirms this. Sixty-two percent of customers lose conference.

in their bank after 8-8 a breach and 43% leave entirely. The deepfake problem nobody's talking about. Deepfake fraud attempts have exploded by 2,137% in three years. In one case, a finance worker transferred $25 million after a video call with their CFO, except the CFO was entirely AI generated. Single-layer authentication can't stop this. Voice recognition? Researchers can bypass it with 99% success in just six attempts using only 20 to 30 seconds ophadio. You need multiple verification layers working together, multi-tier storage, multi-approver mechanisms, role-based controls, and real-time audits. Each layer catches what others might miss, what real protection looks like. Buberusa built their security like a building with dummy rooms, hidden vaults,

and sophisticated access mechanisms. When you click a dangerous link, even by mistake, the system isolates the threat and solves it before damage occurs. You get a notification. We detected a compromised link. Your account is secure. Here's what to avoid next time. Protection plus education. The system includes filled circle third party insurance covering wallet breaches filled circle policy based controls preventing unauthorized transactions filled circle recovery tools for device compromise filled circle custom approval workflows eliminating insider risks filled circle ISO certification standards ensuring compliance this matters because financial institutions face $40 billion in AI-enabled fraud be 2027, which is up from $12.3 billion in 2023. The threat grows 32% annually. The question that

reveals everything. Call your bank tomorrow. Ask them, is your bank investing in deploying multi-agentic security layers to protect my money? If they say, we're working on it, you're at risk right now. That answer means your money sits behind single-layer protection while attacks evolve daily. Banks that blame users for mistakes by saying, you clicked the link, so the charges are valid, which ultimately show you their priorities. Banks with real layered security prevent those mistakes from becoming disasters. The difference between security theater and actual protection comes down to accountability. Your AI bank should work like your body's immune system. You don't think about your heart pumping blood or your liver detoxifying toxins. They just work,

but when you expose yourself to threats like unhealthy habits, dangerous environments, your body's defense mechanisms kick in automatically. That's stress-free banking. The security operates invisibly until you need it, then protects you even from your own mistakes. What you should demand, look for platforms where multi-agentic security is core to their design, not an afterthought. Check their history, monitor their security track record, verify their ISO certifications, the banking industry knows single points of failure are catastrophic. Average a breach costs hit $6.1 million per incident, yet only 22% of financial institutions have implemented AI-based fraud prevention tools.

You deserve better than working on it. Your money, your family's future, your peace of mind, all these depend on banks that build protection into every layer of their platform. Banks like Bubirut Sethad make security their foundation, not their marketing claim. because when it comes to protecting what you've worked your entire life to build, one lock on the door isn't enough. About Dr. Gregory Bacallor, Dr. Gregory Bacallor is the chief operating officer of Buberusa, an AI native financial institution bridging traditional banking infrastructure with blockchain networks across eight jurisdictions. With a background spanning enterprise finance,

analytics, and blockchain innovation, Gregory holds a doctor of business administration and began his career at Moody's Analytics, where he advised major Swiss financial institutions on risk management, process optimization, and credit rating methodologies. He later co-founded several blockchain-based financial platforms through which hundreds of millions in assets have flowed, giving tens of thousands of people access to decentralized financial solutions. This story was distributed as a release by Sonia Kapoor under Hackernoon Business Blogging Program. Thank you for listening to this Hackernoon story, read by Artificial Intelligence. Visit hackernoon.com to read, write, learn and publish.