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Post-Quantum Secure Federated DeFi for Inclusive Banking

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Listed:
  • Swati Sachan
  • Dale Fickett
  • Richard Buchinger
  • Theo Miller

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.

Suggested Citation

  • Swati Sachan & Dale Fickett & Richard Buchinger & Theo Miller, 2026. "Post-Quantum Secure Federated DeFi for Inclusive Banking," Papers 2606.10658, arXiv.org.
    • Handle: RePEc:arx:papers:2606.10658
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    File URL: http://arxiv.org/pdf/2606.10658
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