用抗量子加密技术实现银行间安全协作，提升农村信贷包容性。
Post-Quantum Secure Federated DeFi for Inclusive Banking
- 采用格基全同态加密，在密文中完成跨行数据联合计算。
- 在弗吉尼亚州农村借贷场景中，成功融合地理模型与信用评估结果。
- 适合关注金融隐私与抗量子安全的银行及监管机构。
纠错量子比特的进展加速了实用量子计算的到来，对金融系统、政府基础设施、通信网络及去中心化金融（DeFi）生态中的加密原语构成威胁。本文提出一种抗量子安全的联邦去中心化金融框架，支持银行间协作，提升因本地信贷历史不足而被排除在外人群的金融包容性。多家银行向虚拟服务器提交加密信息批次，利用基于格的全同态加密（FHE）实现端到端的同态计算。服务器在加密状态下融合本地数据驱动的概率评估、专家意见以及由NASA-IBM Prithvi地理空间基础模型（GFM）生成的可验证证据。通过去中心化技术确保所有机构与服务器间数据交换的不可篡改性与可审计性。该框架在弗吉尼亚州农村借款人的农业贷款决策中进行了测试。
原文摘要 · Abstract (English)
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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