Institutional White Papers & Technical Publications — Crypto Service
Industry white papers, mathematical proofs, and applied cryptographic research for senior payments and security leaders.
INDUSTRY WHITE PAPER · EPAA
Quantum-Safe Payments: Why the Payments Industry Must Act Now
Quantum computing threatens the cryptographic foundations of financial services. Payments, from real-time to cross-border settlement, rely on protections that quantum computing will eventually render obsolete, and regulators are already treating harvest-now-decrypt-later as a credible present risk. This paper, produced for the Emerging Payments Association Asia, outlines the structural threat post-quantum cryptography poses to payment infrastructure across SWIFT, real-time gross settlement (RTGS) rails and instant payment schemes, and argues for coordinated industry action — starting with cryptographic-asset inventories, PQC migration roadmaps aligned to the NIST FIPS 203/204/205 standards, and crypto-agility built into wholesale payment authentication.
ARCHITECTURE BLUEPRINT · SOVEREIGN CAAS
Sovereign CaaS: Eliminating Custodial Counterparty Risk in Financial Institutions
How banks, custodians, and asset managers can run a self-hosted Cryptography-as-a-Service tier with crypto-server inside a private VPC, keeping key custody in-house. States what the suite provides today (a Fastify REST service, AWS KMS integration, CBOM output) and what it does not (HSM integration, published throughput figures, a DORA compliance verdict).
STRATEGIC RESEARCH TREATISE · GLOBAL HORIZONS
The 2027 Post-Quantum Strategic Horizon & Cryptographic Audit
An authoritative executive analysis of upcoming compliance mandates from NIST, ANSSI, BSI, and the US NSA CNSA 2.0 directive. Analyzes why waiting until 2029 introduces existential compliance risks for financial market infrastructures, the mathematical hardness reductions of Module-LWE and Module-SIS lattices, and the concrete implementation steps required to pass institutional resilience audits.
THREAT INTELLIGENCE WHITE PAPER · HARVEST-NOW-DECRYPT-LATER
Harvest-Now-Decrypt-Later: Defending Long-Dated Enterprise Assets
Adversary intelligence services and state actors are actively exfiltrating and archiving encrypted interbank traffic, corporate secrets, and long-term customer records today. Because financial contracts carry legal and operational lifespans of 10 to 30 years, data exfiltrated today will be decrypted by early cryptanalytically relevant quantum computers. This paper details hybrid dual-layer key encapsulation (X25519 + ML-KEM-768) that neutralizes retroactive exposure immediately.
INTERBANK INFRASTRUCTURE BRIEF · ISO 20022 & SWIFT
Post-Quantum Migration Architecture & Interbank Settlement Rails
Transitioning wholesale banking settlement engines, ISO 20022 payment payloads (pacs.008, pain.001), and high-throughput SWIFT/Fedwire rails to quantum-resistant signatures with zero downtime. Formulates concrete envelope encryption patterns, payload size expansion management, and backwards-compatible dual-layer signature schemes designed for mission-critical core banking environments.
IMPLEMENTATION GUIDE · DORA & CBOM
CBOM Manual: Cryptographic Inventories for DORA Work
How to generate CycloneDX 1.6 Cryptographic Bills of Materials from source code with crypto-cbom, audit them for broken and quantum-vulnerable algorithms in CI, and use the result as inventory input for DORA ICT risk work. Not legal advice; a CBOM does not by itself establish compliance.
BENCHMARK SPECIFICATION
Post-Quantum Benchmarks: Method, Sizes and Status
How to benchmark ML-KEM and ML-DSA with the committed benchmark code, and the key, ciphertext and signature sizes fixed by the standards. Earlier latency figures (including a WebAssembly ML-KEM-768 result of 34.1 µs) did not come from committed code and have been withdrawn.
DATABASE SECURITY WHITE PAPER · ORM FIELD ENCRYPTION
Transparent Column-Level Database Encryption with Prisma & TypeORM
A guide to field-level authenticated encryption (XChaCha20-Poly1305) with the crypto-prisma and crypto-typeorm adapters: how values are sealed and stored, searchable HMAC fields, gradual migration of existing rows, and current limits (no KMS integration or automated key rotation).
Questions? Answers.
What kind of research and publications are published here?
Two complementary strands sit side-by-side. Industry white papers, produced for bodies such as the Emerging Payments Association Asia (EPAA) and financial standards consortia, examine structural shifts to payment infrastructure — notably the impact of cryptographically-relevant quantum computing on wholesale and real-time gross settlement rails. Technical architecture blueprints, developed by Sebastien Rousseau and the Crypto Service core team, describe engineering patterns built on the suite: self-hosted cryptography services, database field encryption, and CBOM generation for cryptographic inventories.
Who is the intended audience for these publications?
Chief Information Security Officers (CISOs), Heads of Payments, Chief Risk Officers, and Principal Enterprise Architects across Tier-1 banks, institutional asset managers, central banks, and market infrastructure operators (SWIFT, Fedwire, RTGS). Each publication assumes cryptographic and financial domain literacy and skips introductory background to focus on architectural trade-offs, formal hardness reductions, and production migration mechanics.
Are these white papers free to access and distribute?
Yes. All institutional white papers, benchmark specifications, and compliance manuals published by Crypto Service are openly accessible for institutional study and architectural evaluation under open documentation norms. EPAA publications are freely downloadable directly from the Emerging Payments Association Asia portal.
May our risk committee or architecture board cite these papers?
Yes. Formal quotations, architectural excerpts, and benchmark figures with attribution are encouraged. For EPAA publications, cite the Emerging Payments Association Asia Quantum-Safe Cryptography Working Group (2025). For Crypto Service technical publications, cite as Rousseau, S. (2026). [Title]. Crypto Service Technical Publications. Canonical DOIs and GitHub permanent commit hashes are provided in each paper's citation block.
Can an institution commission bespoke architectural briefings or speaking sessions?
Yes, subject to availability. Senior institutional briefings focus on wholesale payments quantum transition, ISO 20022 message payload security, DORA ICT risk readiness, and sovereign CaaS deployment architectures. Use the contact form to submit your institutional brief, committee requirements, and scheduling window.