Biometric authentication offers enhanced usability for digital payments, but traditional centralized architectures suffer from single points of failure. While blockchain integration promises decentralized trust, existing solutions often store biometric helper data (e.g., fuzzy commitments) directly on-chain. We demonstrate that such transparency, even in permissioned settings, exposes low-entropy biometric inputs to offline brute-force attacks and identity-linkage risks if the immutable ledger is accessed by malicious nodes. To resolve this transparency–privacy paradox, we propose a threshold-based decentralized authentication framework. Unlike prior works, our protocol keeps all sensitive Biometric-Enhanced Key Derivation (BEKD) tokens entirely off-chain, using the blockchain solely for freshness enforcement. We provide a game-based security analysis of brute-force resistance, unforgeability, and unlinkability. Our experimental results demonstrate that our scheme’s gas cost is acceptable, offering a robust solution for self-sovereign biometric identity.



