For founders and leaders building B2B financial infrastructure in Africa, the stakes are existential. This includes treasury management, cross-border payment, and stablecoin platforms. A security breach in a consumer app might result in a $500/₦50,000 fraud loss. A breach on your platform, which provides access to corporate treasuries or settlement for high-value cross-border transactions, could result in a $467,000/₦500,000,000 theft.
This is a catastrophic failure, instantly fatal to your client's business and your own reputation.
The challenge is that your clients, from CFOs to crypto treasurers, are high-value targets. They demand a frictionless, "it-just-works" experience, yet they hold the keys to the entire kingdom. As this infrastructure becomes more sophisticated, so do the threats. Relying on simple, point-in-time security, like a login password, is no longer a viable defense. A new, multi-layered defense model is required.
Based on our work securing high-volume financial platforms, we've identified a 3-Layered Defense Model that is essential for any modern B2B financial infrastructure.
The Problem: The fraudster has your client's credentials. Through sophisticated phishing, social engineering, or a session-hijacking token, they have bypassed the "lock on the door" (MFA) and are now inside your platform.
The Solution: You need a "guard inside the room." This is the realm of Continuous Authentication. Instead of only checking identity at login, this layer continuously verifies the user's identity during their session.
At Loci, we solve this with Loci AccessGate. This module passively analyzes a user's behavioral biometrics, their unique typing rhythm, mouse movements, and navigation patterns. A fraudster can steal a password, but they cannot steal a user's behavior. If the behavior in a session deviates from the learned baseline, the platform can instantly lock the session or trigger step-up verification before a fraudulent payout is even attempted.
The Problem: The user (or fraudster) is now attempting a payout, a cross-border settlement, or an on-chain stablecoin withdrawal. A legacy rules engine might ask a simple question: IF amount > ₦10M, THEN BLOCK. This is a blunt instrument that creates a high number of false positives and frustrates good clients.
The Solution: You need an Intelligence Fusion Engine, not a simple rules engine. At this layer, the platform must fuse multiple, distinct signals into a single, highly accurate decision in milliseconds.
A modern decision, powered by Loci's Fraud Language Model (FLM), looks like this:
BLOCK IF:
(AccessGate Behavioral Score is "High Risk")
AND (Transaction is to a New Beneficiary/Wallet)
AND (AML Watchlist Check = 'True')
AND (Transaction Amount > ₦1M)
This is a nuanced, intelligent decision that a simple rules engine cannot make. It fuses behavioral, transactional, and compliance data into one sub-second, 100% auditable action.
The Problem: Your biggest systemic risk isn't just one fraudster; it's a client who is a bad actor. What if one of your B2B clients is secretly a money laundering hub, using your stablecoin platform or payout APIs to "smurf" and move illicit funds?
The Solution: You need a "God's eye view" of your entire platform. This is the layer of Network Science. By asynchronously building a graph of all relationships between your clients and their counterparties, you can run network analysis to find the hidden risks.
Loci's Network Science Engine does this automatically, calculating a Centrality Score for every entity. It can instantly identify a client who is receiving small payments from 300 different sources and funneling it all into one international payout. This is a classic money laundering pattern, invisible to traditional monitoring, but an existential compliance risk for your platform.
When we talk to B2B leaders, we often hear the same objections. Let's address them.
Myth 1: "We have strong MFA. We're secure."
MFA is a "lock on the door." It is essential, but it is not enough. As explained in Layer 1, sophisticated attacks like phishing and session hijacking bypass this. Your defense must include a "guard inside the room" like Loci AccessGate that provides continuous authentication after login.
Myth 2: "Our in-house rules engine can handle this."
A basic transactional engine is fundamentally different from an intelligence fusion platform. Building a real-time behavioral biometrics engine, a high-performance graph analytics pipeline, and a separate, non-blocking analytics store (a CQRS architecture) is a multi-year, multi-million dollar R&D project. We know, because we built it. We empower your engineers to focus on your core product, like better FX rates or faster stablecoin settlements, not on reinventing a world-class security stack.
Myth 3: "This multi-layered analysis sounds complex and slow."
It would be, if built on traditional architecture. Modern platforms like Loci are architected for this exact workload. We use a risk orchestration engine for raw speed and a CQRS data architecture, separating our analytics store from our core database operations. This means our heavy analytics, like graph building and dashboards, have zero performance impact on your core transaction API. We deliver this multi-layered decision quickly, while keeping your user experience delightful.
The future of B2B finance is built on trust. Your clients trust you with their entire treasury, and regulators trust you to protect the integrity of the financial system.
You can no longer afford to use consumer-grade, point-in-time security. You need a 3-layered defense that secures the session, the transaction, and the platform itself.
About Loci: Loci is a multi-layered security intelligence platform for modern financial infrastructure. We provide a single, API-driven solution for Account Takeover prevention (AccessGate), real-time AML/Fraud monitoring (FLM), and network-level risk detection (Network Science Engine). We empower fintechs, B2B platforms, and stablecoin/crypto operators to scale securely and with 100% explain