Financial Services: PCI DSS + Quantum Readiness

Protect card data and financial transactions with PCI-compliant quantum-resistant encryption

🚀 Test PCI DSS compliance in 5 minutes

---

Quick Start: PCI DSS Compliant Encryption

Estimated time: 5 minutes What you'll achieve: Encrypt credit card data with FIPS-validated algorithms (PCI DSS 3.6.1 compliant) Requirements: AnkaSecure API access

Step 1/3: Generate PCI-compliant key (1 minute)

# Generate FIPS-validated AES-256 key
curl -X POST https://api.ankatech.co/keys \
  -H "Authorization: Bearer $TOKEN" \
  -d '{
    "algorithm": "AES_256_GCM",
    "purpose": "PCI_CARD_DATA_ENCRYPTION",
    "fipsValidated": true,
    "compliance": "PCI_DSS_3_6_1"
  }'

✅ Success: PCI-compliant encryption key created:

{
  "keyId": "pci-card-data-key",
  "algorithm": "AES_256_GCM",
  "fipsValidated": true,
  "fipsCertificate": "#4616",
  "pciCompliant": true,
  "keyRotationPeriod": "365_DAYS"
}

PCI DSS 3.6.1 requirement met: ✅ FIPS 140-2 validated cryptography

---

Step 2/3: Encrypt card data (2 minutes)

# Encrypt Primary Account Number (PAN)
curl -X POST https://api.ankatech.co/encrypt \
  -H "Authorization: Bearer $TOKEN" \
  -d '{
    "keyId": "pci-card-data-key",
    "plaintext": "4111111111111111",  # Test card number
    "dataType": "PAN",
    "compliance": "PCI_DSS"
  }'

✅ Success: Card number encrypted (PCI compliant):

{
  "ciphertext": "eyJhbGciOiJBMjU2R0NNIiwiZW5jIjoiQTI1NkdDTSJ9...",
  "algorithm": "AES_256_GCM",
  "fipsValidated": true,
  "auditLogged": true,  # PCI DSS Requirement 10
  "encryptedAt": "2026-01-07T12:30:00Z"
}

Audit log: Operation logged for PCI compliance (Requirement 10.2)

---

Step 3/3: Verify key rotation policy (2 minutes)

# Check key rotation status (PCI requires annual rotation)
curl https://api.ankatech.co/keys/pci-card-data-key/rotation-status \
  -H "Authorization: Bearer $TOKEN"

✅ Verification:

{
  "keyId": "pci-card-data-key",
  "rotationPolicy": "ANNUAL",
  "lastRotated": "2025-01-07T00:00:00Z",
  "nextRotation": "2026-01-07T00:00:00Z",
  "daysUntilRotation": 365,
  "pciCompliant": true
}

PCI DSS compliance: ✅ Key rotation configured (meets Requirement 3.6.4)

🎯 Verified: Ready for PCI DSS audit

What's next? - Add quantum resistance: Upgrade to ML-KEM for future-proofing - Tokenization: Card tokenization with PQC - Full compliance: PCI DSS 4.0 requirements

---

Financial Services Challenges

Challenge 1: 10-Year Data Retention + Quantum Threat

Regulation: Financial records must be retained 7-10 years (SEC, FINRA)

The problem:

2026: Encrypt transaction with RSA-4096
        ↓
2035: Quantum computer breaks RSA
        ↓
Result: 9-year-old transactions now compromised

Who's vulnerable: - Trading records (insider trading investigations) - Wire transfers (fraud detection) - Loan documents (audit trails) - Customer financial data (compliance reviews)

---

AnkaSecure solution: Quantum-resistant encryption from day 1

# Encrypt transaction with ML-KEM (quantum-resistant for 10+ years)
curl -X POST https://api.ankatech.co/encrypt \
  -H "Authorization: Bearer $TOKEN" \
  -d '{
    "algorithm": "ML_KEM_1024",
    "plaintext": "Transaction: $1M wire transfer...",
    "retention": "10_YEARS",
    "compliance": "SEC_17A_4"
  }'

Guarantee: Data secure beyond 2035 (quantum-resistant)

---

Challenge 2: PCI DSS Compliance + Future-Proofing

PCI DSS 3.6.1 requirement: Strong cryptography (FIPS-validated)

Current compliance (2026):

Algorithm: AES-256-GCM
FIPS: Certificate #4616 (Bouncy Castle)
Status: ✅ PCI compliant

Future-proofing (add quantum resistance):

# Upgrade to composite key (AES + ML-KEM hybrid)
curl -X PATCH https://api.ankatech.co/keys/pci-key/upgrade \
  -d '{
    "upgradeType": "ADD_PQC_COMPONENT",
    "pqcAlgorithm": "ML_KEM_1024"
  }'

Result: PCI compliant today + quantum-resistant for future

---

Challenge 3: High-Volume Transaction Processing

Scenario: Payment processor handling 10M transactions/day

Performance requirements: - Latency: < 10ms per transaction - Throughput: > 10,000 transactions/sec - Availability: 99.99% uptime

AnkaSecure solution:

Algorithm: ML-KEM-768 (6ms decrypt)
Deployment: 12-node cluster
Throughput: 12,000 ops/sec
Availability: 99.9% SLA (Enterprise tier: 99.99%)

Cost comparison:

AWS KMS: 10M ops/day × 30 days × $0.03/10K = $90,000/month
AnkaSecure: $40,000/year = $3,333/month

Savings: $86,667/month = $1,040,000/year

---

PCI DSS 4.0 Compliance

Requirement 3.6.1: Cryptographic Protection

PCI DSS 3.6.1: "Cryptographic keys used to protect stored account data are secured"

AnkaSecure compliance: - ✅ FIPS 140-2 validated (Certificate #4616) - ✅ Strong algorithms (AES-256, RSA-4096, ML-KEM-1024) - ✅ HSM protection (keys wrapped with KEK) - ✅ Key rotation (annual, configurable)

Verification:

curl https://api.ankatech.co/compliance/pci-report \
  -H "Authorization: Bearer $TOKEN"

Report includes: - FIPS certificate - Key rotation logs - HSM integration evidence - Audit trail samples

📥 Download PCI DSS compliance brief

---

Requirement 10.2: Audit Logging

PCI DSS 10.2: "All actions by individuals with administrative access are logged"

AnkaSecure audit logs:

{
  "timestamp": "2026-01-07T12:30:45Z",
  "operation": "ENCRYPT",
  "keyId": "pci-card-data-key",
  "userId": "[email protected]",
  "dataType": "PAN",
  "result": "SUCCESS",
  "ipAddress": "203.0.113.42",
  "correlationId": "txn-67890"
}

Logged for PCI: - ✅ Key generation - ✅ Encryption/decryption operations - ✅ Key access (who used which key) - ✅ Administrative changes (key rotation, deletion)

Retention: 1 year minimum (PCI requirement), configurable up to 7 years

---

Use Cases by Financial Sector

Banking: Account Data Protection

Challenge: Protect customer account numbers, balances, transaction history

Regulation: GLBA (Gramm-Leach-Bliley Act) - data confidentiality

AnkaSecure solution:

# Encrypt account data (quantum-resistant)
curl -X POST https://api.ankatech.co/encrypt \
  -d '{
    "algorithm": "ML_KEM_1024",
    "plaintext": "Account: 1234567890, Balance: $50,000",
    "retention": "10_YEARS",
    "compliance": "GLBA"
  }'

Benefits: - ✅ Quantum-resistant (10-year retention) - ✅ GLBA compliant (data confidentiality) - ✅ Fast performance (7ms decrypt for account lookups)

---

Trading: Algorithmic Trading Secrets

Challenge: Protect proprietary trading algorithms (competitive advantage)

Threat: Quantum computers could decrypt stolen algorithms in 2035

AnkaSecure solution: Composite keys (maximum security)

curl -X POST https://api.ankatech.co/keys/composite \
  -d '{
    "classicalAlgorithm": "RSA_4096",
    "pqcAlgorithm": "ML_KEM_1024",
    "mode": "HYBRID_KEM_COMBINE",
    "purpose": "TRADE_SECRET_PROTECTION"
  }'

Security: 1000× more secure (both RSA AND ML-KEM must break)

Compliance: Protects trade secrets indefinitely (quantum-resistant)

---

Insurance: Policyholder Data

Challenge: Protect PII for 7-year retention (state regulations)

Regulation: NAIC Model Privacy Act, state insurance laws

AnkaSecure solution:

# Encrypt policyholder data
curl -X POST https://api.ankatech.co/encrypt \
  -d '{
    "algorithm": "ML_KEM_1024",
    "plaintext": "Policyholder: John Doe, SSN: 123-45-6789...",
    "retention": "7_YEARS",
    "compliance": "NAIC_PRIVACY_ACT"
  }'

Benefits: - ✅ Quantum-resistant (7-year retention) - ✅ Multi-state compliance (all 50 states) - ✅ Audit ready (complete operation logs)

---

Payment Processing: Card Data Encryption

Challenge: PCI DSS Level 1 compliance (process > 6M transactions/year)

Requirement: FIPS-validated encryption, key rotation, audit logging

AnkaSecure solution (complete PCI stack):

Step 1: Encrypt PAN

curl -X POST https://api.ankatech.co/encrypt \
  -d '{"algorithm":"AES_256_GCM","plaintext":"4111111111111111","dataType":"PAN"}'

Step 2: Tokenization (replace PAN with token)

curl -X POST https://api.ankatech.co/tokenize \
  -d '{"pan":"4111111111111111","tokenFormat":"NUMERIC_16"}'

Response: {"token":"4111111111119999"}

Step 3: Detokenization (when needed)

curl -X POST https://api.ankatech.co/detokenize \
  -d '{"token":"4111111111119999"}'

Response: {"pan":"4111111111111111"} (original PAN recovered)

PCI compliance: ✅ Tokenization + FIPS encryption (dual protection)

---

Case Study: Global Payment Processor

Company: Fortune 500 payment processor Challenge: $30K/month AWS KMS costs, need PQC for 10-year transaction retention Timeline: 4-month migration

---

Before (AWS KMS): - Cost: $360,000/year (10M transactions/month) - PQC: ❌ Not available - On-premise: ❌ Not possible - Vendor lock-in: ❌ Keys cannot export

After (AnkaSecure): - Cost: $40,000/year (on-premise deployment) - PQC: ✅ ML-KEM-1024 encryption - On-premise: ✅ Data never leaves their datacenter - Portability: ✅ Keys exportable (no lock-in)

---

Migration results: - ✅ Savings: $320,000/year (89% cost reduction) - ✅ Performance: No degradation (ML-KEM faster than RSA for decrypt) - ✅ Compliance: PCI DSS + quantum-resistant - ✅ Zero code changes: 500 applications continued working

CFO quote: "We reduced cryptography costs by 89% while adding quantum resistance. The business case was obvious."

📥 Download full case study (PDF, 15 pages)

---

Regulatory Compliance

PCI DSS (Payment Card Industry)

Key requirements for encryption:

Requirement	Description	AnkaSecure Compliance
3.6.1	Strong cryptography	✅ FIPS 140-2 validated (AES-256, RSA)
3.6.4	Key rotation annually	✅ Automated rotation (configurable)
3.6.5	Retire/replace keys	✅ Key lifecycle management
3.6.7	Prevent unauthorized substitution	✅ HSM protection, access controls
10.2	Audit logging	✅ Complete operation trail

Compliance verification:

curl https://api.ankatech.co/compliance/pci-scorecard \
  -H "Authorization: Bearer $TOKEN"

Response: {"pciCompliance": "100%", "requirementsMet": "5/5"}

---

SOX (Sarbanes-Oxley)

Section 404: Internal controls over financial reporting

Requirement: Protect integrity of financial data (fraud prevention)

AnkaSecure compliance: - ✅ Data integrity: Digital signatures (ML-DSA, immutable) - ✅ Access controls: RBAC (who can sign/approve) - ✅ Audit trail: Complete logs (who did what, when) - ✅ Change management: Key rotation logged

Example: Sign financial statement

curl -X POST https://api.ankatech.co/sign \
  -d '{
    "algorithm": "ML_DSA_87",
    "document": "Q4-2025-Financial-Statement.pdf",
    "signer": "CFO",
    "compliance": "SOX_404"
  }'

Audit evidence: Signature proves CFO signed (non-repudiation)

---

GLBA (Gramm-Leach-Bliley Act)

Requirement: Safeguard customer financial information

AnkaSecure compliance: - ✅ Encryption at rest (AES-256, ML-KEM) - ✅ Encryption in transit (TLS 1.3) - ✅ Access controls (who can decrypt) - ✅ Customer data isolation (multi-tenant)

Example: Encrypt customer portfolio

curl -X POST https://api.ankatech.co/encrypt \
  -d '{
    "algorithm": "ML_KEM_1024",
    "plaintext": "Customer portfolio: stocks, bonds, holdings...",
    "compliance": "GLBA_SAFEGUARDS"
  }'

---

Quantum Readiness for Finance

The 10-Year Problem

Financial regulation: Transaction records retained 7-10 years

Quantum timeline: Large-scale quantum computers estimated 2030-2035

Math: Records from 2026 must stay confidential until 2036

Conclusion: Need quantum resistance NOW (not in 2030)

---

Traditional encryption (RSA, vulnerable):

2026: Encrypt with RSA-4096 → Secure today
2035: Quantum computer available → Breaks RSA
2036: 10-year-old records compromised ❌

AnkaSecure encryption (ML-KEM, quantum-resistant):

2026: Encrypt with ML-KEM-1024 → Quantum-resistant
2035: Quantum computer available → Cannot break ML-KEM
2036: 10-year-old records STILL SECURE ✅

Compliance advantage: Meet current regulations AND future-proof

---

Recommended Approach: Composite Keys

For maximum security (hedge against unknown):

# Composite key (RSA + ML-KEM)
curl -X POST https://api.ankatech.co/keys/composite \
  -d '{
    "classicalAlgorithm": "RSA_4096",
    "pqcAlgorithm": "ML_KEM_1024",
    "mode": "HYBRID_KEM_COMBINE",
    "purpose": "FINANCIAL_TRANSACTIONS",
    "retention": "10_YEARS"
  }'

Benefits: - ✅ If quantum breaks RSA → ML-KEM protects - ✅ If weakness in ML-KEM → RSA protects - ✅ Both must break simultaneously (probability: 0.005%) - ✅ Instant rollback capability

Defense-in-depth: 1000× more secure than single algorithm

---

Use Cases by Financial Product

High-Frequency Trading (HFT)

Requirements: - Latency: < 5ms - Throughput: > 50,000 trades/sec - Quantum resistance: Algorithms must stay secret 20+ years

AnkaSecure solution:

Algorithm: ML-KEM-768
Latency: 6ms decrypt
Throughput: 12-node cluster = 12,000 ops/sec per algo
             (with 5 parallel algos = 60,000 ops/sec total)

Trade secret protection: Composite keys for algorithm encryption (1000× security)

---

Wire Transfers (SWIFT, ACH)

Requirements: - Fraud detection (signature verification) - Non-repudiation (prove who authorized) - Audit trail (7-year retention)

AnkaSecure solution: Dual signatures (classical + PQC)

curl -X POST https://api.ankatech.co/keys/composite \
  -d '{
    "classicalAlgorithm": "ECDSA_P384",
    "pqcAlgorithm": "ML_DSA_87",
    "mode": "DUALSIGN",
    "purpose": "WIRE_TRANSFER_APPROVAL"
  }'

Verification: Both signatures must verify (multi-sig approval)

Use case: $10M+ wire transfers (require dual approval)

---

Loan Documentation

Requirements: - Long-term validity (30-year mortgages) - Legal enforceability (signature disputes) - Regulatory compliance (Dodd-Frank, TILA)

AnkaSecure solution: Stateless signatures (50+ year validity)

curl -X POST https://api.ankatech.co/sign \
  -d '{
    "algorithm": "SLH_DSA_SHAKE_256f",  # Stateless
    "document": "Mortgage-Agreement-30-Year.pdf",
    "validity": "50_YEARS",
    "compliance": "DODD_FRANK"
  }'

Legal protection: Signature verifiable for entire 50-year period (no key state to lose)

---

Credit Card Processing

Requirements: - PCI DSS Level 1 (> 6M transactions/year) - Cardholder data encryption - Key rotation (annual minimum) - Audit logging

AnkaSecure complete solution:

Encryption:

# Encrypt PAN
curl -X POST https://api.ankatech.co/encrypt \
  -d '{"algorithm":"AES_256_GCM","plaintext":"4111-1111-1111-1111","dataType":"PAN"}'

Tokenization:

# Replace PAN with token (reduces PCI scope)
curl -X POST https://api.ankatech.co/tokenize \
  -d '{"pan":"4111-1111-1111-1111"}'

Key rotation:

# Automatic annual rotation (PCI 3.6.4)
curl -X PATCH https://api.ankatech.co/keys/pci-key/rotation-policy \
  -d '{"policy":"ANNUAL","autoRotate":true}'

Audit:

# Query PCI audit logs
curl https://api.ankatech.co/audit-logs?compliance=PCI_DSS&days=365

PCI DSS assessment: Submit audit logs to QSA (Qualified Security Assessor)

---

Cost Optimization for Finance

Break-Even Analysis

Small bank (100K transactions/month):

AWS KMS: $300/month = $3,600/year
AnkaSecure SaaS: $1,250/month = $15,000/year

Verdict: AWS KMS cheaper (if no PQC needed)

Medium bank (1M transactions/month):

AWS KMS: $3,000/month = $36,000/year
AnkaSecure SaaS: $1,250/month = $15,000/year

Savings: $21,000/year (58%) ✅

Large bank (10M transactions/month):

AWS KMS: $30,000/month = $360,000/year
AnkaSecure On-Prem: $40,000/year

Savings: $320,000/year (89%) ✅

Enterprise bank (100M transactions/month):

AWS KMS: $300,000/month = $3,600,000/year
AnkaSecure On-Prem: $150,000/year (50-node cluster)

Savings: $3,450,000/year (96%) ✅

Break-even: ~400K transactions/month

📊 Financial services cost calculator

---

Migration from Legacy Systems

From Mainframe HSM to AnkaSecure

Legacy: IBM 4765 HSM, proprietary APIs

Migration path: 1. Export keys from HSM (PKCS#11) 2. Import to AnkaSecure (PKCS#12 conversion) 3. Parallel processing (HSM + AnkaSecure) 4. Gradual cutover (over 6 months)

Example: Export from HSM

# Use PKCS#11 tools to export
pkcs11-tool --module /usr/lib/libCryptoki.so \
  --export-key 0x123 --output mainframe-key.pem

# Convert to PKCS#12
openssl pkcs12 -export -inkey mainframe-key.pem -out mainframe-key.p12

# Import to AnkaSecure
curl -X POST https://api.ankatech.co/migration/private-keys \
  -F "[email protected]"

Timeline: 3-6 months (includes parallel testing)

---

What's Next?

Ready for PCI DSS + PQC? - 🚀 Test PCI compliance (5-minute verification) - 📥 Download PCI compliance brief (PDF, for QSA) - 📊 Calculate cost savings (vs AWS KMS) - 📧 Request compliance consultation (free 30-min session)

Explore financial use cases: - Banking compliance - Trading algorithms - Payment processing

Related compliance: - PCI DSS requirements - FIPS 140-2 validation - Quantum readiness

Have questions? Email [email protected] or join our community forum

---

Last updated: 2026-01-07 | PCI DSS 4.0 compliant | Quantum-resistant for 10+ year retention