KHATIWADA, Abhishek; ADHIKARI, Dr. Dipak. A Multi-Layer Blockchain-Based Architecture for Secure and Efficient Cross-Border Digital Payments and Remittances. Engineering And Technology Journal, [S. l.], v. 11, n. 06, p. 10591–10595, 2026. DOI: 10.47191/etj/v11i06.34. Disponível em: https://everant.org/index.php/etj/article/view/2884. Acesso em: 28 sep. 2026.