Cloud-native distributed ledgers harnessing the power of blockchain in financial technology: Revolutionizing scalability in FinTech

Mada, Likhit (2025) Cloud-native distributed ledgers harnessing the power of blockchain in financial technology: Revolutionizing scalability in FinTech. World Journal of Advanced Engineering Technology and Sciences, 15 (2). pp. 137-145. ISSN 2582-8266

The convergence of blockchain technology and cloud computing has transformed traditional financial infrastructures, addressing critical scalability challenges that previously hindered widespread adoption. Cloud-native distributed ledger technology (DLT) emerges as a promising solution that leverages elastic computing resources, scalable storage solutions, and serverless architectures while preserving immutability and transparency. This integration creates hybrid architectures that balance decentralization benefits with cloud computing performance advantages, enabling financial institutions to process high-volume transactions efficiently. Major cloud providers have developed specialized blockchain-as-a-service offerings that reduce implementation barriers while ensuring regulatory compliance. These technologies revolutionize multiple financial domains: cross-border payments become faster and less expensive, trade finance processes transition from paper-based to digital workflows, and traditional assets gain unprecedented liquidity through tokenization. Despite remaining challenges in data privacy, regulatory compliance, and interoperability, cloud-native DLT represents a significant evolutionary step in financial infrastructure development, creating more inclusive, efficient systems that reshape global financial services and expand access beyond traditional banking relationships.