Copyright © 2026 Authors retain the copyright of this article. This article is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

@article{190482,
        author = {D. NANDHINI},
        title = {Enhancing Trust and Privacy in e-KYC Systems: A Hybrid Blockchain, Zero-Knowledge Proof, and Post-Quantum Secure Framework},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {1437-1445},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=190482},
        abstract = {The proliferation of electronic Know Your Customer (e-KYC) systems in the financial sector has streamlined customer onboarding but introduced significant privacy, security, and compliance challenges. Traditional cloud-based e-KYC models suffer from centralized trust, opaque audit trails, and inefficient consent management. This paper presents ZK-e KYC Trust Chain+, a novel decentralized e-KYC framework that integrates blockchain technology, ciphertext-policy attribute-based encryption (CP-ABE), zero-knowledge proofs (ZKPs), and post-quantum cryptographic primitives to create a scalable, privacy-preserving, and regulator-friendly identity verification ecosystem. Our system introduces a multi-layered consent architecture, dynamic policy graphs, and a quantum-resistant key management scheme to address evolving threats and regulatory demands. Extensive simulations and comparative analyses demonstrate that ZK-e KYC Trust Chain+ reduces encryption overhead by 47%, supports sub-second policy updates, and achieves GDPR, CCPA, and FATF compliance while maintaining high throughput under realistic load conditions. This work represents a significant step toward truly self-sovereign identity (SSI) systems in regulated financial environments.},
        keywords = {e-KYC, Blockchain, CP-ABE, Zero-Knowledge Proof, Post-Quantum Cryptography, Self-Sovereign Identity, GDPR, Smart Contracts, Privacy-by-Design.},
        month = {January},
        }