How Sugon Cloud’s “3D Secure Computation” Delivers Seamless Security for Financial Institutions

At the end of 2025 the China Financial Regulatory Administration issued document No. 93, mandating that all regulated financial institutions extend self‑assessment to branches and partners, and enforce a strict “four‑one‑batch” compliance cycle through 2026.

For security leaders this creates two options: spend tens of millions rewriting application code, or adopt a hardware‑level solution that offers a “once‑and‑for‑all” safeguard.

Sichuan Rural Commercial Union Bank chose the latter, shutting down a decades‑old IBM mainframe at the end of 2025 and fully migrating its core business to Sugon Cloud’s proprietary “ShuXin Cloud” platform, becoming one of the first banks to power down a large‑scale mainframe and now serving over 70,000 customers.

In a recent live test the bank added full‑link encryption, a Trusted Execution Environment, and hardware‑root‑of‑trust checks. The measured throughput rose to 204.09 transactions / second, with an average response time of 144.8 ms, and the security hardening added only a 4.4% latency penalty—practically imperceptible to end users.

The “3D Secure Computation” solution rests on three pillars—domestic chips, national‑cryptographic algorithms, and trusted computing (version 3.0)—which are tightly integrated across compute, network, storage, data, and AI layers to form a comprehensive, end‑to‑end protected workflow.

According to Sugon Cloud’s Vice President Sun Huishou, the five‑layer architecture starts with a compute‑and‑cryptography layer that establishes a hardware‑based trust root, unifies scheduling of national algorithms and key management, and extends trust from hardware through the OS to the cloud platform; the approach has already been deployed in public safety, health, finance, and transportation sectors.

By leveraging trusted hardware acceleration, hardware‑implemented national algorithms, asynchronous encryption, and hierarchical caching, the solution reduces the performance loss of traditional encryption to roughly one‑third, addressing the hidden challenge of security‑induced business slowdown.

As the compliance countdown accelerates, the industry is searching for solutions that meet regulatory demands without degrading performance. “3D Secure Computation” illustrates that true security should be built into the hardware pipeline rather than patched at the application layer, raising the question of whether this model will spread from Sichuan to the rest of the nation.