Privacy-Preserving Financial Surveillance: An Architectural Framework for CBDC Implementation

Abstract

Central bank digital currencies create fundamental tensions between regulatory surveillance requirements and individual privacy rights. This paper proposes an architectural framework leveraging zero-knowledge proofs and privacy-preserving computation to enable AML/CFT compliance without exposing transaction-level data.

Suggested Citation

BibTeX

@misc{farzulla2025_cbdc_privacy,
  author       = {Farzulla, Murad},
  title        = {Privacy-Preserving Financial Surveillance: An Architectural Framework for CBDC Implementation},
  year         = {2025},
  howpublished = {ASCRI Working Paper DAI-2511},
  doi          = {10.5281/zenodo.17917938},
  url          = {https://systems.ac/2/DAI-2511}
}

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