DECENTRALIZED SYSTEMS FOR PROTECTION AND AUDIT OF TRANSACTIONAL DATA IN INTERBANK INTERACTION

Abstract

The research addresses the pressing issue of security, immutability, and data synchronization in interbank interaction systems. Traditional centralized architectures, such as SWIFT, demonstrate vulnerabilities, including risks of unauthorized access and high operational costs for reconciliation and data alignment between participants. The aim of the work is to design a protocol concept based on private Distributed Ledger Technology (DLT), which ensures the creation of a unified, cryptographically secured, and synchronized transaction ledger. The article justifies the choice of a private blockchain model with a Practical Byzantine Fault Tolerance (PBFT) consensus algorithm for achieving agreement among trusted node-participants. Key elements of the protocol are smart contracts for automating settlement business logic and a multi-level cryptographic system with mandatory multi-signature. The result is an architectural model that eliminates the risks of data falsification, ensures end-to-end auditability of all operations, and significantly reduces the time and financial costs associated with post-transaction reconciliation. The issues of compliance of the proposed solution with current regulatory requirements in the financial sector are separately considered.