The Responsible Fintech Institute (RFI) launched on August 24, 2026, a pilot pairing banks with post-quantum cryptographic protocols on the NEAR testnet. Bison Bank and DK Bank are testing the protocol alongside Safeheron, which provides the cryptographic infrastructure. Regulators from Abu Dhabi, Bhutan, and Malta are observing governance without endorsing the outcomes. The architecture uses a non-custodial 2-of-2 MPC design with the ML-DSA-65 algorithm standardized by NIST to resist attacks from quantum computers.
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