Relaxed Sender Anonymity for CBDC Interbank Settlement: A Zero-Knowledge Approach on Permissioned EVM
[Kryptografia i bezpieczeństwo] Autorzy: Pietro Tiberi, Gabriele Marcelli, Vitangelo Lasorella
Central Bank Digital Currency (CBDC) interbank settlement systems operating on Distributed Ledger Technology (DLT) face a fundamental trade-off: blockchain transparency enables trustless verification but exposes commercially sensitive bilateral transaction flows to all network participants. We propose a confidential interbank settlement protocol for permissioned Ethereum-compatible networks that resolves this tension through a relaxed sender anonymity model tailored to regulatory AML/CFT requirements. In this model, the initiating institution remains publicly identifiable on-chain for accountability and compliance, while the receiving institution, transfer amount, and business payload are cryptographically obfuscated. We realize the protocol on Hyperledger Besu using QBFT consensus, combining Groth16 zero-knowledge proofs over BN254, Poseidon hash commitments in an incremental Merkle tr…
- Kategoria arxiv
- cs.CR
- Kategoria
- Kryptografia i bezpieczeństwo