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Digital-money architectures now dominate global finance, delivering hitherto unavailable user convenience. Yet the corresponding architectural transfer widens attack surface, exposing persistent-spoof-DDoS, misinformation, supply-chain compromise-alongside emergent-universal-matrix quantum rupture. Existing deterministic schemes, although reliable, grow unfit under zero-latency, massive-volume settlement windows. We advance a multi-modal crypto scaffold, jointly sourcing hybrid encryption, post-quantum crypto, secret-sharing threshold signatures, and live-adaptive fraud recognition. The constructed module achieves forward secrecy, minimal execution latency, and definitive quantum immunity, consistently at transaction-wire throughput. Novel contributions include a hybrid quantum-composition layer, an efficient isogeny-based signature algorithm tailored to mobile and NFC, and-upon transaction-sovereignty-a directed-risk graph-based metamodel. Simulative calibrations signal latency-scaled consolidated yield, solidifying a legislative-evolving baseline for the next-generation crypto-rails underpining regulation-abiding and sur-space-resilient digital settlements.

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The Future of Digital Payments: Addressing Security Challenges Through Cryptography

  • 会议论文

  • 发表日期：

    2026年

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  • Suboor Khan,
  • Sunidhi Singh,
  • Abhay Soni

摘要

Digital-money architectures now dominate global finance, delivering hitherto unavailable user convenience. Yet the corresponding architectural transfer widens attack surface, exposing persistent-spoof-DDoS, misinformation, supply-chain compromise-alongside emergent-universal-matrix quantum rupture. Existing deterministic schemes, although reliable, grow unfit under zero-latency, massive-volume settlement windows. We advance a multi-modal crypto scaffold, jointly sourcing hybrid encryption, post-quantum crypto, secret-sharing threshold signatures, and live-adaptive fraud recognition. The constructed module achieves forward secrecy, minimal execution latency, and definitive quantum immunity, consistently at transaction-wire throughput. Novel contributions include a hybrid quantum-composition layer, an efficient isogeny-based signature algorithm tailored to mobile and NFC, and-upon transaction-sovereignty-a directed-risk graph-based metamodel. Simulative calibrations signal latency-scaled consolidated yield, solidifying a legislative-evolving baseline for the next-generation crypto-rails underpining regulation-abiding and sur-space-resilient digital settlements.