Post-Quantum Secure Federated DeFi for Inclusive Banking

Computer Science > Cryptography and Security [Submitted on 9 Jun 2026] Post-Quantum Secure Federated DeFi for Inclusive Banking Swati Sachan, Dale Fickett, Richard Buchinger, Theo Miller 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. Subjects: Cryptography and Security (cs.CR); Artificial Intelligence (cs.AI); Computational Engineering, Finance, and Science (cs.CE); Computational Finance (q-fin.CP) Cite as: arXiv:2606.10658 [cs.CR]   (or arXiv:2606.10658v1 [cs.CR] for this version)   https://doi.org/10.48550/arXiv.2606.10658 Focus to learn more Related DOI: https://doi.org/10.1109/cai68641.2026.11536585 Focus to learn more Submission history From: Swati Sachan Dr [view email] [v1] Tue, 9 Jun 2026 10:06:55 UTC (1,249 KB) Access Paper: view license Current browse context: cs.CR < prev   |   next > new | recent | 2026-06 Change to browse by: cs cs.AI cs.CE q-fin q-fin.CP References & Citations NASA ADS Google Scholar Semantic Scholar Export BibTeX Citation Bookmark Bibliographic Tools Bibliographic and Citation Tools Bibliographic Explorer Toggle Bibliographic Explorer (What is the Explorer?) Connected Papers Toggle Connected Papers (What is Connected Papers?) Litmaps Toggle Litmaps (What is Litmaps?) scite.ai Toggle scite Smart Citations (What are Smart Citations?) Code, Data, Media Demos Related Papers About arXivLabs Which authors of this paper are endorsers? | Disable MathJax (What is MathJax?)