The financial sector's adoption of technology-driven data analysis has enhanced operational efficiency and revenue generation by leveraging personal sensitive data. However, the inherent characteristics of blockchain hinder decentralized finance (DeFi) from accessing necessary sensitive user data. To address this challenge, we introduce a protocol that both safeguards user privacy and ensures data availability through the incorporation of homomorphic encryption and zero-knowledge-proof techniques in blockchain technology. This novel protocol helps mitigate privacy risks caused by sensitive data leaks while improving the capital efficiency of the DeFi market. Furthermore, we explore the applicability of these privacy-preserving methods in on-chain ecosystems and cross-border financial applications. Our solution contributes to secure, user-centric solutions for DeFi while upholding principles of decentralization and privacy protection.

翻译：金融行业对技术驱动数据分析的采纳，通过利用个人敏感数据提升了运营效率与收入生成能力。然而，区块链的内在特性阻碍了去中心化金融（DeFi）获取必要的用户敏感数据。为应对这一挑战，我们提出一种协议，该协议通过在区块链技术中融合同态加密与零知识证明技术，既保护用户隐私又确保数据可用性。这一新型协议有助于缓解由敏感数据泄露引发的隐私风险，同时提升DeFi市场的资本效率。此外，我们探讨了这些隐私保护方法在链上生态系统及跨境金融应用中的适用性。我们的解决方案为DeFi提供了安全、以用户为中心的方案，同时维护了去中心化与隐私保护的原则。