AI-EMBEDDED DEFI PROTOCOLS FOR REAL-TIME CREDIT SCORING AND RISK TRANSFER LEVERAGING CROSS-CHAIN ORACLES AND QUANTUM-RESILIENT CRYPTOGRAPHY IN AUTONOMOUS FINTECH ECOSYSTEMS

The convergence of Artificial Intelligence (AI) and Decentralized Finance (DeFi) is revolutionizing financial services by enabling autonomous credit scoring and decentralized risk transfer mechanisms. This paper explores the deployment of AI-embedded DeFi protocols integrated with cross-chain oracles and fortified by quantum-resilient cryptographic systems. These protocols provide real-time decision-making capabilities and fraud resistance in multi-chain FinTech ecosystems. The framework enhances credit transparency, automates risk underwriting, and ensures security in a post-quantum world.