Zero-Knowledge Proof (ZKP) Authentication for Offline CBDC Payment System Using IoT Devices
Central Bank Digital Currency (CBDCs) are becoming a new digital financial tool aimed at financial inclusion, increased monetary stability, and improved efficiency of payment systems, as they are issued by central banks. One of the most important aspects is that the CBDC must offer secure offline payment methods to users, allowing them to retain cash-like access without violating Anti-Money Laundering and Counter-terrorism Financing (AML/CFT) rules. The offline CBDC ecosystems will provide financial inclusion, empower underserved communities, and ensure equitable access to digital payments, even in connectivity-poor remote locations. With the rapid growth of Internet of Things (IoT) devic...
| Authors | Santanu Mondal, T. Chithralekha |
|---|---|
| Primary category | cs.CR |
| Published | 4 March 2026 |
| Last updated at source | 5 March 2026 |
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