Dhanvault: Blockchain-Enabled Decentralized Finance Ecosystem Leveraging Web3 for Secure, Transparent, and Autonomous Transactions

Decentralized finance (DeFi) has emerged as a transformative paradigm that redefines how individuals access, manage, and govern their financial assets, much like the internet revolutionized information exchange. However, current DeFi protocols face critical challenges, including limited modularity, weak risk resistance, insufficient privacy, and governance inefficiencies. To address these issues, this paper introduces DhanVault, a next-generation DeFi architecture that integrates state-of-the-art blockchain infrastructure, Web3 tools, autonomous agents, and zero-knowledge cryptography. The framework incorporates the Modular Autonomous Agent Protocol (MAAP) for reputation-based governance and ZKPods, a privacy-preserving module supported by zero-knowledge proofs, to ensure secure and transparent operations. In addition, Powering KARMA, an oracle system enhanced with machine learning, continuously monitors risks and dynamically adjusts protocol parameters in real time. Experimental evaluation on 100 synthetic user transactions shows that DhanVault reduces gas costs by 18% compared to leading platforms such as Uniswap, Aave, and Compound, lowers governance decision latency by 53%, improves the fairness index to 0.87, and achieves a 95% success rate in zero-knowledge proof execution. These results demonstrate that DhanVault provides a scalable, trustless, and sustainable foundation for the future of decentralized finance.