The paper proposes a new cryptographic bearer token design enabling fully offline e-cash withdrawals from ATMs, thereby removing the central bank as a critical dependency.

The paper argues that endogenous tokens on public, permissionless ledgers are not money because the underlying ledger structure fails to provide a cash-like privacy primitive, exposing holders to syst…

This paper analyzes the x402 payment protocol, revealing systemic vulnerabilities in state synchronization and signature design that allow attackers to exploit payment systems for resource leakage in…

This paper analyzes the x402 payment protocol, revealing critical synchronization and security flaws that allow attackers to exploit payment systems and force merchants to subsidize compute costs.

The paper proposes using Differentially Private (DP) synthetic data, specifically through tabular synthesis and DP-Seeded Agent-Based Modeling (ABM), to resolve the conflict between data utility and p…

The paper introduces Bitcoin Smart Accounts (BSA), a novel, trust-minimized protocol enabling native Bitcoin to participate in DeFi while maintaining self-custody of funds.

The paper proposes a compliance-aware architecture for agentic payments on stablecoin rails that embeds regulatory checks directly into the on-chain execution flow to ensure safe, low-friction transfe…

Intercloud proposes a decentralized economic network that achieves eventual consistency and security using a novel 'chilling-effect consensus' mechanism, eliminating the need for global coordination.

This paper addresses the operational challenge of adopting Post-Quantum Cryptography (PQC) in complex financial TLS environments by presenting a methodology to automatically profile and normalize cryp…

The paper analyzes the 'decentralisation paradox' in digital identity, arguing that user-centric designs merely redistribute central control rather than eliminating it, requiring a holistic approach b…

The paper proposes a hash-based commit-reveal alternative to minimize the infrastructural overhead associated with adopting large post-quantum signature schemes in blockchain transactions.

The paper proposes CyberAId, a hybrid multi-agent system designed to enhance cybersecurity for financial institutions by integrating specialized LLM subagents with existing SIEM/XDR telemetry, address…

The paper proposes BitSov, an eight-layer, Bitcoin-native architectural framework designed to build sovereign internet infrastructure by composing existing decentralized technologies.

The paper proposes bPk#, a distributed architecture for pseudonyms that enhances privacy and availability in national eID systems by delegating pseudonym computation rights to users and service provid…

The paper develops a unified, cross-layer security framework for autonomous LLM agents operating in agentic commerce, identifying key attack vectors and proposing a layered defense architecture.

This survey analyzes various novel cross-chain interoperability protocols to provide a comprehensive framework for evaluating their performance and financial impact within the fragmented on-chain fina…

The paper analyzes the potential market impact of a large, unknown Bitcoin holder (the Satoshi overhang) and concludes that the mechanical downside risk is bounded, suggesting the terminal states are…

The paper analyzes and documents various double-dip reward abuse attacks that exploit flaws in how cashback and reward engines handle transaction refunds, proposing formal invariants and defensive alg…

This paper proposes a comprehensive framework utilizing AI and machine learning to enhance cybersecurity and mitigate fraud risks in the emerging field of cardless artificial intelligence banking.

The paper demonstrates that achieving Post-Quantum Cryptography (PQC) readiness requires treating cryptographic discovery as a governance capability to manage complex dependencies and prioritize risk…