Multi-Agent Collaboration for Real-Time Compliance Verification in Decentralized Fintech Systems

The rapid emergence of decentralized finance (DeFi) has challenged traditional regulatory paradigms by eliminating central intermediaries and introducing borderless, autonomous financial transactions. As regulatory bodies struggle to enforce compliance in these fluid environments, current centralized RegTech solutions reveal inherent limitations in scalability, trust, and fault tolerance. This paper proposes a novel, real-time compliance verification framework using a decentralized multiagent system integrated with blockchain infrastructure. The system models regulatory rules using formal logic and distributes them across autonomous agents capable of real-time decisionmaking, trust-weighted consensus, and privacy-preserving validation through cryptographic techniques. Smart contracts ensure immutable auditability, while agent roles—validator, regulatory, and observer—coordinate seamlessly using FIPA-compliant communication protocols. Experimental evaluation demonstrates over 98 % compliance accuracy under normal conditions, sub200 ms verification latency, and resilience to agent dropouts and adversarial attacks. By removing single points of failure and enabling scalable, cross-jurisdictional rule enforcement, this framework offers a robust and transparent compliance solution for the next generation of decentralized financial systems. The approach sets a new benchmark in embedding regulatory intelligence within blockchain-based fintech, aligning technical scalability with legal accountability.