Post-Quantum Secure Federated DeFi for Inclusive Banking

• URL: http://arxiv.org/abs/2606.10658v1
• Date: Tue, 09 Jun 2026 10:06:55 GMT
• Title: Post-Quantum Secure Federated DeFi for Inclusive Banking
• Abstract summary: Recent advances in error-corrected qubits have accelerated the timeline for practical quantum computing.<n>It poses a threat to cryptographic primitives used to secure financial systems, government infrastructure, communication networks, and DeFi ecosystems.<n>This paper introduces a post-quantum secure federated DeFi framework that enables inter-bank collaboration to improve the inclusivity of individuals underserved by local lenders due to limited financial histories.
• Score: 1.1409577482625053
• License: http://arxiv.org/licenses/nonexclusive-distrib/1.0/
• Abstract: Recent advances in error-corrected qubits have accelerated the timeline for practical quantum computing. It poses a threat to cryptographic primitives used to secure financial systems, government infrastructure, communication networks, and DeFi (Decentralized Finance) ecosystems. This paper introduces a post-quantum secure federated DeFi framework that enables inter-bank collaboration to improve the inclusivity of individuals underserved by local lenders due to limited financial histories. Multiple banks contribute encrypted information batches to a virtual server, where lattice-based Fully Homomorphic Encryption (FHE) enables end-to-end homomorphic computation. The server fuses local data-driven probabilistic assessments, expert beliefs, and verifiable evidence generated by the NASA-IBM Prithvi Geospatial Foundation Model (GFM), in encrypted format. Decentralized technologies are employed to ensure tamper-proof evidence and auditable accountability for all encrypted data exchanges between institutions and the server. The framework is tested on agricultural lending decisions for rural borrowers in Virginia.

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