# Post-Quantum Secure Federated DeFi for Inclusive Banking

arXiv: https://arxiv.org/abs/2606.10658 · HTML: https://mlsanity.com/paper/2606.10658/

## Key facts

- No citing papers in the map yet (data through 14 Oct 2026).
- Builds on 2 of its 16 references that are in the map.
- First posted on arXiv 9 Jun 2026.

## Builds on (most cited first, 2 of 2)

- [On Lattices, Learning with Errors, Random Linear Codes, and Cryptography](https://mlsanity.com/paper/2401.03703/) (2024)
- [Responsible LLM Deployment for High-Stake Decisions by Decentralized Technologies and Human-AI Interactions](https://mlsanity.com/paper/2512.04108/) (2025)

## Abstract (arXiv)

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.