Abstract :

The Evolution Of The Digital Technologies Has Transformed Banking And Created Easy-revealable Risks In Centralized Systems Such As Cyber-attacks And Data Violations. Blockchain Technology That Is Not-harmful In Typical Sense Of The Term Because Of The Decentralized And Secure Architecture Is A Malignant Solution To These Problems. In This Research, We Propose A New, Non-token, Blockchain Architecture To Ensure Bank Transactions. Provides Irreversible, And Strengthening Against Decentralized Architectural Attacks, Having Certified Transactions In A Network Of Nodes. To Enhance Transparency, Auditor Conducts Compliance And Confirms Integrity, Agent Coordinates Communication With External Events. The Solution Leads To Efficiency By Reduction Of Transactions And Also Minimizes Operation Hazards. With The Help Of Closing Symbols, It Minimizes Such Risks As Instability And Regulatory Issues That Enhance Safety, Speed And Openness. This Method Verifies A Solid Ground For Modernizing Economic Systems, And Ensures Trust, Scalability And Compliance. This Innovative Technology Creates Comfort, Expert, And Transparent Banking Systems And Creates A New Focus For Financial Transactions In The Digital Age. “Index Terms - Blockchain, Decentralized Banking, Non-tokenized System, Cybersecurity, Transaction Efficiency, Financial Transparency”..

Published:

09-6-2025

Issue:

Vol. 25 No. 6 (2025)

Page Nos:

8-15

Section:

Articles

License:

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

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