Financial systems have a growing reliance on computer-based and distributed systems, making FinTech systems vulnerable to advanced and quickly emerging cyber-criminal threats. Traditional security systems and fixed machine learning systems cannot identify more intricate fraud schemes whilst also addressing real-time performance and trust demands. This paper presented an Adaptive Neuro-Fuzzy Blockchain-AI Framework (ANFB-AI) to achieve security in FinTech transactions by detecting threats using intelligent and decentralized algorithms. The framework combines both an immutable, transparent and tamper resistant layer of a permissioned blockchain to maintain the immutability, transparency and resistance to tampering of transactions, and an adaptive neuro-fuzzy learning model to learn the presence of uncertainty and behavioural drift in fraud activities. An explicit mathematical model is created to explain the transaction integrity, adaptive threat classification, and unified risk based decision-making. The proposed framework uses Proof-of-Authority consensus to overcome low-latency validation of transactions and scalable real-time financial services. Massive simulations are performed in normal, moderate, and high-fraud conditions with the use of realistic financial and cryptocurrency transactions. The experimental evidence proves that ANFB-AI is always more accurate and precise than recent state-of-the-art algorithms and costs much less in terms of transaction confirmation time, propagation delay of blocks and end-to end latency. ANFB-AI performance supports the appropriateness of adaptive neuro-fuzzy intelligence to blockchain-based FinTech security.

翻译：金融系统日益依赖基于计算机的分布式系统，这使得金融科技体系易受新兴高级网络犯罪威胁。传统安全系统及固定机器学习模型既无法识别更复杂的欺诈模式，也难以兼顾实时性能与信任需求。本文提出一种自适应神经模糊区块链-人工智能框架（ANFB-AI），通过智能去中心化算法检测威胁以实现金融科技交易安全。该框架融合了许可链的不可篡改、透明及防篡改特性，与自适应神经模糊学习模型——前者保障交易数据的完整性、透明性与防篡改性，后者则用于学习欺诈行为中的不确定性与行为漂移。我们建立了显式数学模型，用以阐述交易完整性、自适应威胁分类及统一风险决策机制。所提框架采用权威证明共识机制，实现低延迟交易验证与可扩展的实时金融服务。基于真实金融与加密货币交易数据，在正常、中等及高欺诈三种场景下开展大规模仿真实验。实验结果表明，ANFB-AI在准确率与精度上始终优于现有最新算法，且显著降低了交易确认时间、区块传播延迟及端到端延迟。ANFB-AI的性能验证了自适应神经模糊智能在区块链金融科技安全中的适用性。