Related · tier-1 reading. For how to migrate before the NIST deadline and stay verifiable, see Post-Quantum.
The OCC and Federal Reserve expect quantum-readiness plans. SWIFT is building a PQ roadmap. Adversaries are harvesting encrypted traffic now. H33 gives banks post-quantum cryptography that is production-grade today.
Definition. Quantum-Safe Banking is an industry-vertical product that gives a bank a post-quantum path for its financial workflows — encrypted loan decisioning, KYC/AML verification, transaction attestation, and settlement verification — so records encrypted today stay confidential and independently verifiable across the quantum transition. It owns the banking migration workflow, the durable-confidentiality outcome, and the operational experience. It does not own, redefine, or reimplement the cryptography, proof, evidence, or governance it relies on; it composes them.
Why this exists. Data a bank encrypts today under RSA or ECDSA must remain secure for 7–30 years of regulatory retention — a window that overlaps credible quantum timelines and the harvest-now-decrypt-later threat. Post-quantum cryptography and FHE support the OCC, Federal Reserve, and NIST migration expectations; they do not by themselves make an institution compliant. Compliance is a separate determination made by your examiners and counsel against your full control environment.
The product boundary. Quantum-Safe Banking owns the banking migration workflow and outcome. It uses H33 mechanisms for privacy, proof, evidence, and governance; it does not redefine or own those mechanisms.
Fully homomorphic encryption lets scoring and settlement run on encrypted financial data so no plaintext PII is exposed. The product consumes FHE; it does not define or implement it.
Zero-knowledge proofs confirm identity and sanctions facts without transmitting the customer's PII. The product requests these proofs; the proving is owned elsewhere.
H33-74 supplies the 74-byte post-quantum attestation for each computation. The product attaches attestations; it does not produce the attestation primitive.
Verification lets auditors, regulators, and counterparties confirm a result offline. The product surfaces the verification surface; the verifying is owned elsewhere.
Agent-008 governs automated loan and settlement decisioning — preserving authority and preventing drift. The product is governed by it; it does not perform governance.
If Quantum-Safe Banking swapped BFV/FHE for another confidential-computing technology, or one signature family for another, it would still be Quantum-Safe Banking. The migration workflow and outcome are the product. Mechanisms are chosen, not owned.
Quantum computers capable of breaking RSA-2048 and ECDSA are projected within the next decade. But the threat is not future — it is happening now.
Harvest-now, decrypt-later: Nation-state adversaries are intercepting and storing encrypted financial traffic today. When cryptographically relevant quantum computers arrive, they will retroactively decrypt years of stored transactions, authentication tokens, and signing keys.
For a bank, the data encrypted today under RSA or ECDSA must remain secure for 7-30 years (regulatory retention requirements). That window overlaps with credible quantum timeline estimates.
Post-quantum migration is not optional for regulated financial institutions.
Run credit scoring models on encrypted applicant data via FHE. The scoring server never sees PII, income, or credit history. The decision is attested under H33-74 with three PQ signature families — producing an independently verifiable record that the decision was computed correctly. (Whether such a record is admitted as evidence in a given proceeding is a separate legal determination.)
Verify identity and sanctions screening with zero-knowledge proofs. The proof confirms "identity verified, no sanctions matches" without transmitting the customer's PII to downstream parties. Reduces data breach surface by orders of magnitude.
Every financial computation produces a 74-byte PQ-signed attestation. The attestation is Bitcoin-anchorable — creating an independent, immutable timestamp that no party (including H33) can alter. Satisfies retention and audit trail requirements.
Compute settlement amounts on encrypted position data. Verify correctness with ZK proofs. Both counterparties confirm the settlement is correct without revealing their positions to each other. Every step is PQ-attested.
Every computation — loan decision, KYC verification, settlement calculation — produces a fixed 74-byte H33-74 attestation. This attestation is signed under three independent PQ signature families (ML-DSA-65, FALCON-512, SLH-DSA) and can be anchored to Bitcoin mainnet.
The result: a quantum-resistant, independently verifiable record of every financial computation your institution performs. The attestation is verifiable by any party — auditors, regulators, counterparties — without access to the underlying data. Admissibility in a specific legal proceeding remains a separate determination for counsel.
Learn more: How to Sign Encrypted Computation Without Decrypting It
Service organization controls for security, availability, and confidentiality
International information security management system certification
Business associate agreement for protected health information
Three PQ families, FHE biometrics, one call
Sign FHE results without decrypting
BFV and CKKS engines for encrypted computation
Start free, scale with enterprise plans
SOC 2, ISO 27001, HIPAA, GDPR
Full H33 solutions for financial services
For receipt-bound authorization on the FedNow instant-payment rail specifically, don't use this — use FedNow instead. For cross-institutional fraud-ring and synthetic-identity detection across competing banks, use FraudShield instead. For wire-transfer proof specifically, use WireProof instead.
To evaluate a primitive directly rather than the banking workflow, read the FHE, ZK, H33-74, or Verification hubs. For the migration strategy itself, see Post-Quantum.
An industry-vertical product that gives a bank a post-quantum path for its financial workflows — encrypted loan decisioning, KYC/AML verification, transaction attestation, and settlement verification — so records encrypted today stay confidential and verifiable across the quantum transition. It owns the banking migration workflow and outcome; it uses H33 mechanisms for privacy, proof, evidence, and governance rather than reimplementing them.
It USES FHE so scoring and settlement run on encrypted data, USES ZK so identity and sanctions checks prove a fact without transmitting PII, USES H33-74 to attach a 74-byte post-quantum attestation to each computation, and USES Verification so any party can confirm a result offline. Automated decisioning is GOVERNED_BY Agent-008. The product composes these mechanisms; it does not own or redefine them.
No. Post-quantum cryptography and FHE support compliance — they help satisfy encryption, audit, and migration expectations from the OCC, Federal Reserve, and NIST — but they do not by themselves make an institution compliant. Compliance is a separate determination made by your examiners and counsel against your full control environment. Quantum-Safe Banking provides verifiable cryptographic evidence toward that determination; it does not issue it.
Yes. If Quantum-Safe Banking swapped BFV/FHE for another confidential-computing technology, or one signature family for another, it would still be Quantum-Safe Banking. The banking migration workflow and the durable-confidentiality outcome are what it owns. Mechanisms are chosen, not owned.
Use it for a bank-wide post-quantum migration across financial workflows. For receipt-bound authorization on the FedNow instant-payment rail specifically, use FedNow. For cross-institutional fraud-ring detection across competing banks, use FraudShield. To evaluate a mechanism directly, read the FHE, ZK, H33-74, or Verification hubs.
The migration deadline is not theoretical. Start with an API key or talk to our team about enterprise deployment for your institution.
Questions? support@h33.ai