aiqbench analysis
This research proposes a post-quantum secure federated DeFi framework that leverages lattice-based Fully Homomorphic Encryption to enable encrypted inter-bank collaboration for underserved borrowers. By integrating geospatial data from the NASA-IBM Prithvi model with decentralized auditability, the system addresses immediate cryptographic threats from advancing quantum computing while enhancing financial inclusion. The approach demonstrates a practical pathway for securing sensitive financial data against future quantum attacks without compromising privacy during cross-institutional lending assessments.
Post-Quantum Secure Federated DeFi for Inclusive Banking
arXiv:2606.10658v1 Announce Type: cross 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.
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.
Cryptography and Security (cs.CR); Artificial Intelligence (cs.AI); Computational Engineering, Finance, and Science (cs.CE); Computational Finance (q-fin.CP)
arXiv:2606.10658 [cs.CR]
(or arXiv:2606.10658v1 [cs.CR] for this version)
https://doi.org/10.48550/arXiv.2606.10658 arXiv-issued DOI via DataCite (pending registration)
https://doi.org/10.1109/cai68641.2026.11536585 DOI(s) linking to related resources
Full text under the publisher's open licence · 177 words
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