# DeFi TrustBoost: Blockchain and AI for Trustworthy Decentralized Financial Decisions

arXiv: https://arxiv.org/abs/2512.00142 · HTML: https://mlsanity.com/paper/2512.00142/

## Key facts

- No citing papers in the map yet (data through 14 Oct 2026).
- Builds on 4 of its 21 references that are in the map.
- First posted on arXiv 28 Nov 2025.

## Builds on (most cited first, 4 of 4)

- [A Unified Approach to Interpreting Model Predictions](https://mlsanity.com/paper/1705.07874/) (2017)
- ["Why Should I Trust You?": Explaining the Predictions of Any Classifier](https://mlsanity.com/paper/1602.04938/) (2016)
- [Methods for Interpreting and Understanding Deep Neural Networks](https://mlsanity.com/paper/1706.07979/) (2017)
- [Deep Learning for Financial Applications : A Survey](https://mlsanity.com/paper/2002.05786/) (2020)

## Abstract (arXiv)

This research introduces the Decentralized Finance (DeFi) TrustBoost Framework, which combines blockchain technology and Explainable AI to address challenges faced by lenders underwriting small business loan applications from low-wealth households. The framework is designed with a strong emphasis on fulfilling four crucial requirements of blockchain and AI systems: confidentiality, compliance with data protection laws, resistance to adversarial attacks, and compliance with regulatory audits. It presents a technique for tamper-proof auditing of automated AI decisions and a strategy for on-chain (inside-blockchain) and off-chain data storage to facilitate collaboration within and across financial organizations.