Implementing a hybrid compliance–AI cybersecurity model for unified protection of banking and DeFi systems in Brazil

Abstract

This study develops and evaluates a hybrid Compliance–AI cybersecurity model for unified protection of traditional banking and decentralized finance (DeFi) systems in Brazil. Using publicly available data from the NIST Cybersecurity Framework, DeFi exploit repositories (REKT and DeFiLlama), Elliptic crypto-transaction graphs, IEEE-CIS fraud data, DARPA Transparent Computing datasets, and Monte Carlo–simulated cross-domain attack scenarios, the research applies hierarchical clustering, supervised learning, Markov chain modeling, and stochastic simulation. Results show that 45% of banking controls are transferable or hybridizable to DeFi, that embedding machine-readable compliance features improves ROC–AUC from 0.842 to 0.914 and reduces false positives by nearly 47%, and that bidirectional orchestration lowers escalation probability by over 54%. Monte Carlo analysis further indicates a 62% reduction in tail financial risk under the hybrid architecture. The study recommends machine-readable regulation, compliance-aware AI deployment, orchestrated enforcement layers, and expanded RegTech and SupTech adoption to strengthen systemic financial cybersecurity. Keywords: Compliance–AI Integration, Financial Cybersecurity, Decentralized Finance, Machine-Readable Regulation, Systemic Cyber Risk.