  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.
