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Financial services

Quantum-Safe Encryption for Banking

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-ready today.

1.67M
Auth/sec Sustained
74 B
Per Attestation
3
PQ Sig Families
0
Plaintext Exposure
The threat

The Quantum Clock Is Ticking for Banks

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.

Regulatory pressure

Regulators Are Moving

Post-quantum migration is not optional for regulated financial institutions.

NIST PQC Standards (August 2024)
ML-KEM, ML-DSA, and SLH-DSA finalized as FIPS standards. Federal agencies required to transition.
OCC Guidance
National banks must inventory quantum-vulnerable cryptographic assets and develop migration plans.
Federal Reserve Expectations
Supervisory expectations for quantum risk assessments in IT examination process.
SWIFT PQ Roadmap
SWIFT is developing post-quantum requirements for cross-border financial messaging.
NSA CNSA 2.0
National Security Systems must transition to PQC by 2033. Financial systems handling government payments follow.
Solution
H33 for Banking
Encrypted computation on financial data, PQ-attested transactions, and court-admissible audit trails — in a single API integration.
FHE

Encrypted Loan Decisioning

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 a court-admissible record that the decision was computed correctly.

ZK

KYC/AML Without Data Exposure

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.

H33-74

Transaction Attestation

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.

FHE + ZK

Settlement Verification

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.

Attestation
Every Financial Computation in 74 Bytes

H33-74: The Audit Trail for Encrypted Finance

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 court-admissible, 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.

Learn more: How to Sign Encrypted Computation Without Decrypting It

Compliance
Compliance Certifications
H33 is pursuing the compliance certifications that financial institutions require.
JUNE 3, 2026

SOC 2 Type II

Service organization controls for security, availability, and confidentiality

JUNE 18, 2026

ISO 27001

International information security management system certification

AVAILABLE

HIPAA BAA

Business associate agreement for protected health information

Performance
Built for High-Throughput Financial Systems
1,667,875
authentications per second (sustained, full pipeline)
On Graviton4 metal-48xl (192 vCPUs). Full FHE + batch attestation + ZKP verification pipeline. 42 μs per authentication. Per-auth cost: ~$3.8 × 10-10. This is not a microbenchmark — it is the production pipeline running all three cryptographic layers.
Explore
Related Pages
Quantum-Ready Banking Starts Today

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