The financing difficulties faced by small and medium-sized enterprises have long constrained global economic development. Traditional supply chain finance is difficult to effectively alleviate financing difficulties and high costs due to data silos, limited credit penetration, and insufficient dynamic risk control capabilities. This study constructs an intelligent decision optimization system that combines AI and blockchain, and reconstructs the credit mechanism through data trustworthiness, intelligent evaluation, and automated decision-making. Based on blockchain, the entire lifecycle of data on the chain is stored and shared, and dynamic modeling of multidimensional data in the supply chain is carried out using AI algorithms. The financing process is automatically executed based on smart contracts. Taking the world's first vanadium titanium industry full process blockchain platform "Titanium Rongyi" as a case study, the effectiveness of the system in scenarios such as credit penetration, risk warning, and electronic debt certificate splitting was studied and verified. The results show that blockchain technology significantly optimizes the supply chain finance ecosystem through a distributed trust system, increasing the accessibility of financing for small and medium-sized enterprises by 40% -60%, reducing financing costs by 25% -35%, and the IoT blockchain collaborative supervision mechanism is more risk resistant than traditional solutions. The TPS bottleneck caused by the explosive growth of on chain nodes and the issue of verifying the authenticity of on chain data still require technical governance collaboration breakthroughs. This research integrates AI intelligent scoring and blockchain certificate storage technology for the first time, provides a theoretical framework and practical experience for the landing of the industrial Internet platform, and proposes innovative directions such as blockchain 3.0, cross chain interaction and standardized credit protocols to build a more complete digital trust infrastructure.

Lili Qiu. AI Empowered Blockchain Technology Financial Intelligent Decision Optimization System. Machine Learning Theory and Practice (2025), Vol. 5, Issue 1: 34-43. https://doi.org/10.38007/ML.2025.050104.

[1] Wei Z. Design and Implementation of Financial Derivatives Trading Platform Based on Blockchain Technology[J]. Financial Economics Insights, 2025, 2(1): 29-35.

[2] Yang, D., & Liu, X. (2025). Research on Large-Scale Data Processing and Dynamic Content Optimization Algorithm Based On Reinforcement Learning. Procedia Computer Science, 261, 458-466.

[3] Zhang X. Application of Real Time Machine Learning Models in Financial Fraud Identification[J]. European Journal of Business, Economics & Management, 2025, 1(2): 1-7.

[4] Guo Y. Technology Application and Focus in Financial Investment Banking[J]. European Journal of Business, Economics & Management, 2025, 1(1): 104-110.

[5] Zhou Y. Gateway Architecture and Security Design[J]. Journal of Computer, Signal, and System Research, 2025, 2(4): 83-89.

[6] Huang J. Digital Technologies Enabling Rural Revitalization: The Practice of AI and BIM in the Adaptive Reuse of Historic Buildings[J]. International Journal of Architectural Engineering and Design, 2025, 2(1): 1-8.

[7] Wu L. Data-Driven Process Improvement Methods and Results Sharmg[J]. European Journal of Business, Economics & Management, 2025, 1(1): 111-117.

[8] Xu Q. Enhancing User Experience in Enterprise-Level Web Applications through Technological Innovation[J]. Journal of Computer, Signal, and System Research, 2025, 2(4): 90-96.

[9] Pan Y. Research on Cloud Storage Data Access Control Based on the CP-ABE Algorithm[J]. Pinnacle Academic Press Proceedings Series, 2025, 2: 122-129.

[10] Jiang Y. Automation and Life Cycle Management Optimization of Large-Scale Machine Learning Platforms[J]. Artificial Intelligence and Digital Technology, 2025, 2(1): 20-26.

[11] Tu, X. (2025). The Application and Prospect of Machine Learning in Improving Production Efficiency. Artificial Intelligence and Digital Technology, 2(1), 27-33.

[12] Wang C. Application of Data Analysis in Bank Mortgage Loan Risk Assessment[J]. Financial Economics Insights, 2025, 2(1): 23-28.

[13] Chen A. Research on Intelligent Code Search Technology Based on Deep Learning[J]. Pinnacle Academic Press Proceedings Series, 2025, 2: 137-143.

[14] Chen A. Research on the Demand Hierarchy of E-Commerce Products Based on Text Mining and the IPA-KANO Model[J]. Pinnacle Academic Press Proceedings Series, 2025, 2: 153-159.

[15] Xiu L. Analyses of Online Learning Behaviour Based on Linear Regression Algorithm[C]//2025 IEEE International Conference on Electronics, Energy Systems and Power Engineering (EESPE). IEEE, 2025: 1333-1338.

[16] Guo X. Research on Blockchain-Based Financial AI Algorithm Integration Methods and Systems[C]//2025 IEEE International Conference on Electronics, Energy Systems and Power Engineering (EESPE). IEEE, 2025: 816-821.

[17] Cui N. Research and Application of Traffic Simulation Optimization Algorithm Based on Improved Road Network Topology Structure[C]//The International Conference on Cyber Security Intelligence and Analytics. Springer, Cham, 2025: 156-163.

[18] Yan J. Research on Application of Big Data Mining and Analysis in Image Processing[J]. Pinnacle Academic Press Proceedings Series, 2025, 2: 130-136.

[19] Pan Y. Research on Enterprise Data Security Protection Technology on Cloud Platforms[J]. European Journal of AI, Computing & Informatics, 2025, 1(2): 30-36.

[20] Pan Y. Research on the Design of a Real-Time E-Commerce Recommendation System Based on Spark in the Context of Big Data[C]//2025 IEEE International Conference on Electronics, Energy Systems and Power Engineering (EESPE). IEEE, 2025: 1028-1033.

[21] Yan J. Analysis and Application of Spark Fast Data Recommendation Algorithm Based on Hadoop Platform[C]//2025 Asia-Europe Conference on Cybersecurity, Internet of Things and Soft Computing (CITSC). IEEE, 2025: 872-876.

[22] Guo Y. Research on Investment Bank Risk Monitoring and Early Warning Model Combining Factor Analysis and Artificial Neural Network[J]. Procedia Computer Science, 2025, 262: 878-886.

[23] Zhao F. Design and Implementation of Data Quality Optimization Strategy and Multi-Level Data Governance Platform based on Big Data Processing and Dynamic Rule Extension[J]. Procedia Computer Science, 2025, 262: 638-647.

[24] Zhang J. Design and Implementation of a Fuzzy Testing Framework for Hyper-V Virtualization Engine Based on Nested Virtualization and Coverage Orientation[C]//The International Conference on Cyber Security Intelligence and Analytics. Springer, Cham, 2025: 176-183.

[25] Yang D, Liu X. Collaborative Algorithm for User Trust and Data Security Based on Blockchain and Machine Learning[J]. Procedia Computer Science, 2025, 262: 757-765.

[26] Xiu L. Research on the Design of Modern Distance Education System Based on Agent Technology[J]. Pinnacle Academic Press Proceedings Series, 2025, 2: 160-169.

[27] Zhang X. Optimization and Implementation of Time Series Dimensionality Reduction Anti-fraud Model Integrating PCA and LSTM under the Federated Learning Framework[J]. Procedia Computer Science, 2025, 262: 992-1001.

[28] Liu Z. Design of a Full-Process Transaction Monitoring and Risk Feedback System for DevOps Based on Microservices Architecture and Machine Learning Methods[J]. Procedia Computer Science, 2025, 262: 948-954.

[29] Wei Z. Construction of Supply Chain Finance Game Model Based on Blockchain Technology and Nash Equilibrium Analysis[J]. Procedia Computer Science, 2025, 262: 901-908.

[30] Jiang Y. Research on the Optimization of Digital Object System by Integrating Metadata Standard and Machine Learning Algorithm[J]. Procedia Computer Science, 2025, 262: 849-858.

[31] An C. Research on High Frequency Financial Transaction Data Modeling and Cloud Computing Implementation Based on SSA-GA-BP Model[J]. Procedia Computer Science, 2025, 262: 859-867.

[32]  Varatharajah, Y., Chen, H., Trotter, A., & Iyer, R. K. (2020). A Dynamic Human-in-the-loop Recommender System for Evidence-based Clinical Staging of COVID-19. In HealthRecSys@ RecSys (pp. 21-22).

[33] Lai L. Research and Design of Data Security Risk Assessment Model Based on Fusion of Deep Learning and Analytic Hierarchy Process (AHP)[J]. Procedia Computer Science, 2025, 262: 747-756.

[34] Wei X. Research on Preprocessing Techniques for Software Defect Prediction Dataset Based on Hybrid Category Balance and Synthetic Sampling Algorithm[J]. Procedia Computer Science, 2025, 262: 840-848.

[35] Pan H. Design and Implementation of a Cloud Computing Privacy-Preserving Machine Learning Model for Multi-Key Fully Homomorphic Encryption[J]. Procedia Computer Science, 2025, 262: 887-893.

[36] Wang C. Research on Modeling and Forecasting High-Frequency Financial Data Based on Histogram Time Series[J]. Procedia Computer Science, 2025, 262: 894-900.

[37] Cai Y. Design and Implementation of a Cross Platform i0s Application Development Framework Based on YAI Configuration Files[J]. Procedia Computer Science, 2025, 262: 939-947.

[38] Chen, H., Yang, Y., & Shao, C. (2021). Multi-task learning for data-efficient spatiotemporal modeling of tool surface progression in ultrasonic metal welding. Journal of Manufacturing Systems, 58, 306-315.

[39] Chen, H., Wang, Z., & Han, A. (2024). Guiding Ultrasound Breast Tumor Classification with Human-Specified Regions of Interest: A Differentiable Class Activation Map Approach. In 2024 IEEE Ultrasonics, Ferroelectrics, and Frequency Control Joint Symposium (UFFC-JS) (pp. 1-4). IEEE.

[40] Zhang M. Design of Object Segmentation and Feature Extraction Based On Deep Learning for AFM Image Processing and Analysis System[J]. Procedia Computer Science, 2025, 262: 982-991.

[41] Hao L. Research on Application of Deep Learning in Optimizing the Performance of Autonomous Vehicles[J]. European Journal of Engineering and Technologies, 2025, 1(1): 25-31.

[42] Li B. The Promoting Role of Data Analysis Technology in Sustainable Energy[J]. European Journal of Engineering and Technologies, 2025, 1(1): 32-38.

[43] Cui N. Safety Countermeasures and Accident Prevention Measures in Traffic Design[J]. International Journal of Engineering Advances, 2025, 2(2): 37-42.

[44] Wang B. Application of Efficient Load Test Strategies in Infrastructure[J]. Journal of Computer, Signal, and System Research, 2025, 2(4): 69-75.

[45] Zhang Y. Research on the Application and Optimization of Multi Dimensional Data Model Based on Kylin in Enterprise Technology Management[C]//International Conference on Innovative Computing. Springer, Singapore, 2025: 234-241.

[46] Zhao F. Research on Intelligent Scheduling and Collaborative Optimization Strategies for Multi Source Heterogeneous Workflow Systems Based on Big Data Technology[C]//International Conference on Innovative Computing. Springer, Singapore, 2025: 267-274.

[47] Tu, Xinran. "Feature Selection and Classification of Electronic Product Fault Short Text by Integrating TF-IDF and Wor D2vec." In 2025 4th International Conference on Distributed Computing and Electrical Circuits and Electronics (ICDCECE), pp. 1-6. IEEE, 2025.

[48] Feng, Shanshan, Ke Ma, and Gongpin Cheng. "Risk evolution along the oil and gas industry chain: Insights from text mining analysis." Finance Research Letters 75 (2025): 106813.

[49] Jiang, Yixian. "Research on Random Sampling Data Diffusion Technique in the Construction of Digital Object System Test Dataset." In 2025 4th International Conference on Distributed Computing and Electrical Circuits and Electronics (ICDCECE), pp. 1-6. IEEE, 2025.

[50] Zhou, Yixin. "Design and Implementation of Online Log Anomaly Detection Model based on Text CM and Hierarchical Attention Mechanism." In 2025 4th International Conference on Distributed Computing and Electrical Circuits and Electronics (ICDCECE), pp. 1-6. IEEE, 2025.