Optimizing Cost-Efficient Payment Transactions: AI-Driven Routing Strategies for Reducing Payment Costs
DOI:
https://doi.org/10.63282/3050-922X.IJERET-V7I2P128Keywords:
Payment Routing Optimization, AI-Driven Payment Routing, Cost-Efficient Transactions, Digital Payment Systems, Decentralized Settlement, Transaction Fee Reduction, Scalable Payment Infrastructure, Intelligent Financial RoutingAbstract
The escalation of digital commerce necessitates transaction systems that are both economically viable and highly scalable. Conventional on-chain settlement mechanisms are frequently hindered by substantial costs and latency, shifting focus towards peer-to-peer off-channel solutions. This work introduces WhisperPay, a novel decentralized routing protocol augmented by artificial intelligence, which achieves marked improvements in settlement affordability and speed. Our methodology enhances routing efficacy through a proximity-based pathfinding mechanism, diminishing associated control-plane expenditures by approximately 102 and halving completion intervals relative to standard ledger technologies. By employing adaptive, learning-centric transaction processing, the framework continuously identifies optimal payment corridors for value transfer, preserving confidentiality and integrity. Evaluations confirm that WhisperPay curtails both fee structures and resource consumption, thereby improving the economic sustainability of distributed payment infrastructures. This investigation underscores the potential of intelligent routing paradigms in mitigating expenses and augmenting operational throughput within contemporary financial networks.
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