Post-Quantum Secure Federated DeFi for Inclusive Banking

Sachan, S ORCID: 0000-0003-0136-0553, Fickett, D, Buchinger, R and Miller, T (2026) Post-Quantum Secure Federated DeFi for Inclusive Banking In: 2026 IEEE Conference on Artificial Intelligence (CAI), 2026-5-8 - 2026-5-10, Granada, Spain.

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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.

Item Type:	Conference Item (Unspecified)
Uncontrolled Keywords:	46 Information and Computing Sciences, 40 Engineering, 4009 Electronics, Sensors and Digital Hardware, 4604 Cybersecurity and Privacy
Divisions:	Faculty of Humanities & Social Sciences Faculty of Humanities & Social Sciences > School of Management Faculty of Humanities & Social Sciences > Faculty of Humanities & Social Sci (All T&R Staff) Faculty of Humanities & Social Sciences > School of Management > Finance and Accounting Faculty of Humanities & Social Sciences > School of Management > School of Management (T&R Staff)
Depositing User:	Symplectic Admin
Date Deposited:	21 Apr 2026 07:15
Last Modified:	23 Jun 2026 09:27
DOI:	10.1109/CAI68641.2026.11536585
Related Websites:	Publisher
URI:	https://livrepository.liverpool.ac.uk/id/eprint/3198078
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