Biometrics, AI, and blockchain can’t save your funds if you screw up — and most people know it.
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A Kraken survey of 789 users found that 48% view themselves—not hackers—as their biggest crypto security risk. This highlights the enduring ethos of personal responsibility in managing digital assets. Despite advances like biometrics and AI fraud detection, many users lack confidence in their own security practices.
Kraken’s CSO Nick Percoco emphasized that “being your own bank means being your own first line of defense.” Startups like Worldcoin and Humanity Protocol have raised millions to build biometric identity tools, while Chainalysis acquired an AI firm to prevent fraud-to-crypto transfers.
Cases like a UK man searching a landfill for a lost Bitcoin hard drive underscore the consequences of user error. Meanwhile, crypto scams remain rampant: In 2024, internet fraud cost $9.3B, with older adults losing $3B alone. The message is clear—technology may help, but personal discipline is still the final firewall.
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