DOI: https://doi.org/10.36347/sjebm.2026.v13i02.003

Pages: 45-62

The rapid adoption of artificial intelligence (AI) and cryptocurrency has transformed financial ecosystems. While these technologies enable efficiency, transparency, and scalability, they also introduce unprecedented ethical, legal, and professional challenges. This paper presents a unified framework that integrates financial integrity, legal rights, and professional ethics in AI-driven and cryptocurrency-mediated environments. By systematically analyzing case studies, regulatory guidelines, and ethical standards, the study identifies critical gaps in existing governance mechanisms. A novel contribution is the proposed “Integrity Compliance Layer,” which aligns automated decision-making with legal accountability and ethical responsibility. This layer uses real-time auditing, adaptive risk assessment, and cross-jurisdictional compliance mapping to mitigate fraud, misinformation, and algorithmic bias. The framework emphasizes proactive professional accountability, empowering financial practitioners and technologists to uphold ethical standards without compromising technological innovation. Simulation results demonstrate improved transparency, reduced compliance violations, and increased stakeholder trust compared to conventional models. Furthermore, the research highlights the interplay between human judgment and machine autonomy, offering actionable guidelines for organizations, regulators, and professionals navigating hybrid financial systems. By bridging technological capabilities with legal and ethical imperatives, the framework establishes a practical pathway toward sustainable, trustworthy, and ethically resilient financial practices. This unified approach ensures that AI and cryptocurrency advancements serve societal interests while minimizing risks of exploitation, misconduct, and legal infractions. The study lays the foundation for future research in integrative governance strategies for emerging digital economies.