As artificial intelligence becomes embedded in business operations, a new infrastructure challenge is emerging: AI agents need the ability to manage money autonomously. Buburuza, a digital-first financial platform, is addressing this shift with the launch of B1, an AI banking agent designed to handle financial decisions for both humans and autonomous systems.
The platform, currently in private beta with public availability planned for Q4 2025, enables users to execute cross-border payments, currency conversions, and cryptocurrency transactions through conversational commands. Unlike traditional banking interfaces that require manual navigation through menus and forms, B1 interprets intent and executes financial operations independently.
“Banking interfaces were designed for humans clicking buttons,” said Daniel Zakharov, Founder & CEO of Buburuza. “But as businesses automate operations with AI tools, those systems need financial capabilities. An AI managing a company’s cloud infrastructure budget shouldn’t need a human to approve every transaction.”
Beyond Chatbots: Financial Autonomy
While voice assistants and banking chatbots have existed for years, they primarily function as navigation tools—helping users find information or initiate pre-defined actions. B1 represents a different approach: an AI system that can analyze context, make routing decisions, and execute complex financial operations without human intervention for each step.
When a user instructs B1 to “send 500 euros as USDC,” the system interprets the request, checks available balances across currencies, identifies the optimal routing path between traditional banking networks and blockchain rails, executes the conversion, and completes the transfer. The entire process happens in seconds, with the AI explaining each decision in natural language.
The platform also monitors for potential issues. If a user attempts to duplicate a recent payment or risks overdrawing an account, B1 flags the transaction and requests confirmation before proceeding. This combination of autonomy and oversight aims to reduce common financial errors while maintaining user control.
The Autonomous Economy
Buburuza’s approach targets a growing use case: business automation tools that need financial capabilities. As companies deploy AI systems to manage cloud spending, software subscriptions, and operational budgets, these tools require the ability to execute payments without constant human oversight.
The platform operates licensed financial services across the US, EU, UK, Canada, Hong Kong, Mexico, and Brazil, combining traditional banking infrastructure with blockchain technology. Its multi-rail routing system enables AI agents to select the fastest and most cost-effective path for each transaction, whether through conventional banking networks or cryptocurrency rails.
“The bottleneck in automation isn’t the technology—it’s the financial layer,” Zakharov said. “AI can manage inventory, negotiate contracts, and optimize operations, but it still needs a human to press ‘send’ on payments. We’re removing that friction.”
Buburuza is currently accepting applications for private beta access at buburuza.com
About Buburuza
Founded in 2024, Buburuza is an AI-native digital bank operating licensed financial services across eight jurisdictions. The platform combines traditional banking infrastructure with blockchain technology and AI-powered payment optimization.
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