arXiv subjects

Theo Miller

Publications and source records attributed to Theo Miller.

2 recordsLinked to original sources

arXiv2026

Post-Quantum Secure Federated DeFi for Inclusive Banking

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.

cs.CR↗

arXiv2025

Responsible LLM Deployment for High-Stake Decisions by Decentralized Technologies and Human-AI Interactions

High-stakes decision domains are increasingly exploring the potential of Large Language Models (LLMs) for complex decision-making tasks. However, LLM deployment in real-world settings presents challenges in data security, evaluation of its capabilities outside controlled environments, and accountability attribution in the event of adversarial decisions. This paper proposes a framework for responsible deployment of LLM-based decision-support systems through active human involvement. It integrates interactive collaboration between human experts and developers through multiple iterations at the pre-deployment stage to assess the uncertain samples and judge the stability of the explanation provided by post-hoc XAI techniques. Local LLM deployment within organizations and decentralized technologies, such as Blockchain and IPFS, are proposed to create immutable records of LLM activities for automated auditing to enhance security and trace back accountability. It was tested on Bert-large-uncased, Mistral, and LLaMA 2 and 3 models to assess the capability to support responsible financial decisions on business lending.

cs.CY↗