Khatiwada, Abhishek, and Dr. Dipak Adhikari. “A Multi-Layer Blockchain-Based Architecture for Secure and Efficient Cross-Border Digital Payments and Remittances”. Engineering And Technology Journal 11, no. 06 (June 18, 2026): 10591–10595. Accessed September 28, 2026. https://www.everant.org/index.php/etj/article/view/2884.