Implementación de DLT para el almacenamiento seguro de transacciones financieras en aplicaciones Fintech

Abstract

Protection with the advantages it offers such as distributed storage, use of cryptographic methods that guarantee security, immutability and encryption of information. For this reason, this paper details the implementation of DLT in cloud microservices to reduce cases of fraud and first-person fraud in financial transactions carried out in a Fintech application. Taking into consideration the different types of existing DLT, through a Systematic Literature Review, IOTA, IoTex and Tatum Api's were chosen as DLT platforms because they are robust, free and with great scalability potential. For its implementation in a web and mobile application, the Agile Block Chain Dapp Engineering methodology was followed; IONIC was used as framework for the mobile application, Laravel as backend framework, VueJs as frontend framework, Google architecture in servers, Firebase and Mysql as database and the expressJS framework for the programming of the connection endpoints between the developed applications and the API's of Iota, IoTex and Tatum for the storage and security of information. In the execution of the product, the transactions performed by Pay2Meta (Fintech's own) users before and after the implementation of the DLTs were taken into account by applying functional tests. After analyzing the results, it is concluded that the use of DLT provides high security in the transport and storage of financial transactions and increased the probability of winning payment disputes for first-party cybercrime payments made in financial transactions of a Fintech application.