Next Article in Journal
The Impact of Central Bank Digital Currencies (CBDCs) on Global Financial Systems in the G20 Country GVAR Approach
Previous Article in Journal
A Transparent House Price Prediction Framework Using Ensemble Learning, Genetic Algorithm-Based Tuning, and ANOVA-Based Feature Analysis
Previous Article in Special Issue
AI-Powered Buy-Now-Pay-Later Smart Contracts in Healthcare
 
 
Font Type:
Arial Georgia Verdana
Font Size:
Aa Aa Aa
Line Spacing:
Column Width:
Background:
Article

A Multi-Paradigm Ethical Framework for Hybrid Intelligence in Blockchain Technology and Cryptocurrency Systems Governance

Department of Business Administration, University of West Florida, 11000 University Parkway, Pensacola, FL 32514, USA
FinTech 2025, 4(3), 34; https://doi.org/10.3390/fintech4030034
Submission received: 19 June 2025 / Revised: 8 July 2025 / Accepted: 16 July 2025 / Published: 22 July 2025

Abstract

The integration of artificial intelligence and human decision-making within blockchain systems has raised complex ethical considerations, necessitating the development of comprehensive theoretical frameworks. This research develops a multi-paradigm ethical framework addressing the ethical dimensions of hybrid intelligence—the dynamic interplay between human judgment and artificial intelligence—in the governance of blockchain technology and cryptocurrency systems. Drawing upon complexity theory and institutional theory, this study employs a theory synthesis methodology to investigate inherent paradoxes within hybrid intelligence systems, including how transparency creates new opacities in AI decision-making, decentralization enables centralized control, and algorithmic efficiency undermines ethical sensitivity. Through PRISMA-compliant systematic literature analysis of 50 relevant publications and theoretical synthesis, this research demonstrates how blockchain technology fundamentally redefines hybrid intelligence by establishing novel forms of trust, accountability, and collective decision-making. The framework advances three testable propositions regarding emergent intelligence properties, adaptive capacity, and institutional legitimacy while providing practical governance principles and implementation methodologies for blockchain developers, regulators, and participants. This study contributes theoretically by bridging the fields of complex systems and institutional analysis, integrating complex adaptive systems with institutional legitimacy processes through a multi-paradigm integration methodology. It delivers an ethical framework that addresses accountability distribution in Decentralized Autonomous Organizations, quantifies ethical challenges across major platforms, and offers empirically validated guidelines for balancing algorithmic autonomy with human oversight in decentralized systems.

1. Introduction

1.1. Blockchain Technology Foundations

Blockchain technology operates as a distributed ledger system where transactions are verified through cryptographic consensus mechanisms rather than centralized authorities [1,2,3,4]. The fundamental architecture consists of blocks containing transaction data, cryptographically linked in chronological order, and maintained across a network of participating nodes [4,5,6]. Consensus mechanisms—including Proof of Work (PoW), Proof of Stake (PoS), and Delegated Proof of Stake (DPoS)—ensure network agreement on transaction validity without requiring trusted intermediaries [5,6,7,8].
Smart contracts represent self-executing code with predetermined conditions that automatically enforce agreements when specified criteria are met [8,9,10]. These programmable protocols enable automated governance while maintaining transparency through immutable record-keeping on the distributed ledger [10,11,12]. The decentralized architecture eliminates single points of failure, ensuring that no central authority can unilaterally alter the transaction history or system rules [12,13,14].
This technological foundation introduces new governance challenges when artificial intelligence algorithms interact with human decision-makers within decentralized networks [14,15,16,17]. Unlike traditional centralized systems where accountability chains are clearly defined, blockchain systems distribute both authority and responsibility among network participants, creating complex accountability relationships that demand new ethical frameworks for effective governance [16,17,18,19].

1.2. Hybrid Intelligence in Decentralized Systems

Hybrid intelligence in blockchain contexts refers to collaborative decision-making systems where human cognitive capabilities augment algorithmic processing in real-time governance scenarios [18,19,20]. This integration manifests through several key mechanisms: human oversight protocols that define when and how human intervention occurs in automated processes, algorithmic autonomy boundaries that establish clear limits on AI decision-making authority, feedback loop structures that enable continuous learning between human and machine components, and intervention triggers that automatically escalate decisions to human oversight when predetermined thresholds are exceeded [20,21,22].
The control mechanisms governing hybrid intelligence operate through layered governance architectures [22,23]. At the operational level, smart contracts execute routine transactions autonomously while maintaining audit trails for human review [23,24]. At the tactical level, human validators make decisions regarding protocol modifications, dispute resolution, and exception handling [24,25]. At the strategic level, community governance processes determine fundamental system parameters, ethical guidelines, and long-term development priorities [26,27,28,29,30].
The convergence of blockchain technology, artificial intelligence (AI), and human decision-making has fundamentally transformed organizational intelligence and financial governance paradigms [1,2,3,4,5,6,7,8,9,10]. Blockchain technology, initially developed for cryptocurrencies, has evolved into a transformative force across multiple domains, reshaping governance structures and decision-making processes that challenge traditional organizational boundaries [10,11,12,13,14,15]. This evolution has accelerated with the integration of artificial intelligence within blockchain ecosystems, creating hybrid intelligence—the dynamic interplay between human judgment and machine learning algorithms that work collaboratively within governance structures [15,16,17,18,19].
Hybrid intelligence in blockchain contexts refers to socio-technical systems where human judgment and artificial intelligence interact through decentralized protocols to produce emergent organizational intelligence that exceeds the capabilities of either component alone [20,21,22]. This integration represents a critical frontier in decentralized systems, leading to significant innovations in organizational governance evident in the emergence of Decentralized Autonomous Organizations (DAOs) and sophisticated trading platforms [23,24,25,26,27,28].
However, these systems exhibit a fundamental ‘governance paradox’—their technical architectures and institutional realities operate at cross purposes, manifesting in documented failures, including FTX’s algorithmic oversight gaps and Ethereum DAO’s plutocratic governance [25,26,27,28]. Recent theoretical developments suggest that blockchain systems fundamentally transform business models through multiple mechanisms, including disintermediation, transparency enhancement, trust creation, and ecosystem development [28,29,30]. Yet governance power is frequently concentrated among a small percentage of stakeholders, creating tensions between the ideals of decentralization and operational realities [30,31,32].
Despite their transformative potential, existing theoretical frameworks inadequately address the unique features of hybrid intelligence in blockchain contexts. Traditional organizational theories struggle to conceptualize the fluid boundaries between human and machine decision-making, while conventional ethical frameworks remain rooted in centralized system paradigms that translate poorly to decentralized environments [32,33,34,35]. Contemporary governance models often fail to account for the emergent properties inherent in hybrid intelligence systems, particularly regarding how collective decision-making arises from interactions between algorithmic processes and human agents.
This study addresses two fundamental research questions: (1) how do complex human and artificial intelligence interactions within blockchain systems generate emergent decentralized intelligence properties? (2) What institutional mechanisms enable the ethical governance of hybrid intelligence in cryptocurrency ecosystems amid competing transparency and privacy demands?
The primary objective is to develop a comprehensive theoretical framework illuminating the ethical dimensions of hybrid intelligence in blockchain systems, particularly in cryptocurrency contexts. Recent events underscore the timeliness and importance of this research. The collapse of major cryptocurrency exchanges due to governance failures has highlighted critical weaknesses in existing hybrid intelligence frameworks, emphasizing the need for more sophisticated theoretical frameworks addressing hybrid intelligence’s unique ethical challenges in blockchain contexts [34,35,36,37,38,39,40].
This research makes several significant contributions to both the theoretical appreciation and practical implementation of hybrid intelligence in blockchain systems. Theoretically, it integrates complexity and institutional theories to analyze hybrid intelligence in blockchain contexts, developing an empirically grounded ethical framework for analyzing ethical challenges in decentralized systems. Practically, it offers governance guidance for blockchain developers, regulators, and participants, postulating conceptual tools for designing and implementing ethical governance structures for hybrid intelligence systems.

1.3. Ethical Theoretical Foundations

The ethical dimensions of hybrid intelligence in blockchain systems require grounding in established moral philosophy while addressing novel challenges posed by decentralized algorithmic governance. Three primary ethical frameworks provide foundational analysis for this research:
Consequentialist analysis examines the outcomes and consequences of hybrid intelligence decisions within blockchain systems. This framework evaluates whether algorithmic automation and human oversight produce beneficial results for stakeholders, focusing on measurable impacts such as transaction security, user protection, and system efficiency. Consequentialist ethics proves particularly relevant for assessing the trade-offs between automated efficiency and human oversight, as decisions must be evaluated based on their actual effects on network participants rather than adherence to predetermined rules [28,29,30,31,32,33,34].
Virtue ethics in algorithmic decision-making addresses the character and moral qualities embedded within both human governance decisions and algorithmic processes. This framework examines whether blockchain governance systems foster virtuous behavior among participants and whether algorithmic designs embody ethical virtues such as fairness, transparency, and prudence. Virtue ethics becomes especially important when considering how hybrid intelligence systems shape the moral development of communities and whether automated processes reinforce or undermine ethical character among users [35,36,37,38,39,40,41].
Deontological constraints on AI autonomy establish fundamental duties and constraints that govern the extent of artificial intelligence authority within blockchain systems. This framework defines inviolable principles that must be maintained regardless of consequences, such as respect for human autonomy, protection of fundamental rights, and preservation of human dignity [37,38,39,40,41,42]. Deontological ethics provides crucial boundaries for AI decision-making authority, ensuring that efficiency gains do not compromise fundamental ethical principles [40,41,42,43].
These ethical foundations intersect with specific blockchain governance challenges: algorithmic transparency requirements (deontological duty to explainability), stakeholder welfare optimization (consequentialist evaluation of outcomes), and community character development (virtue ethics in governance design). The integration of these frameworks addresses gaps in the existing blockchain ethics literature, which often focuses on technical or economic considerations while neglecting foundational moral principles.

1.4. Literature Review—Blockchain Technology and Governance Evolution

The integration of artificial intelligence and human decision-making within blockchain systems represents a significant evolution in the field, particularly evident in the development of Decentralized Autonomous Organizations (DAOs) that combine automated governance with human oversight [44,45,46,47,48,49,50,51,52]. These hybrid intelligence structures necessitate new ethical frameworks addressing the complexities of algorithmic and human decision-making processes [53,54,55,56,57,58,59].
Contemporary advancements in machine learning and data analytics are revolutionizing the effectiveness of hybrid intelligence systems. Federated learning offers a decentralized approach to training algorithms without sharing sensitive data, preserving privacy while enhancing model accuracy [55,56,57,58,59,60]. This innovation holds significant potential for improving decision-making processes within blockchain environments.
Recent research has explored how blockchain-based AI systems transform banking operations, demonstrating significant improvements in operational efficiency and fraud detection capabilities [54,55,56]. Similarly, investor motivations in blockchain ecosystems have been identified as influencing investment decisions and stakeholder engagement through the perceived trustworthiness of hybrid governance systems. Critical examination of whether decentralized AI implementations are inherently safer than centralized alternatives reveals that while decentralization offers certain security advantages, it also introduces novel vulnerabilities related to consensus manipulation and oracle attacks.

1.5. Ethical Dimensions in Hybrid Intelligence Systems

A comprehensive analysis of the ethical dimensions in blockchain-based hybrid intelligence systems reveals several critical areas requiring governance attention. Accountability emerges as a foundational concern, with distributed responsibility across system components manifesting through complex interactions. From a complexity theory perspective, accountability manifests through distributed responsibility across system components, while institutional theory emphasizes mechanisms for establishing responsibility and governance structures [61,62,63,64,65].
The tension between transparency and privacy represents another crucial ethical dimension. Complexity theory reveals how emergent information asymmetries in complex interactions intersect with institutional theory’s normative expectations regarding disclosure and visibility. This theoretical integration highlights the necessity of developing context-sensitive privacy technologies that balance transparency requirements with confidentiality needs.
Regulatory compliance poses distinct challenges in hybrid intelligence systems. The governance implications point toward compliance-by-design frameworks integrating regulatory requirements into technical protocols while accommodating jurisdictional variations. Adaptability emerges as another critical dimension, with complexity theory highlighting self-organizing capacity to respond to changing conditions while institutional theory identifies resistance to change and path dependency challenges [62,63].

1.6. Theoretical Frameworks for Blockchain Governance

Complexity theory has proven particularly valuable for understanding blockchain systems, capturing their self-organizing nature and explaining how emergent behaviors arise from interactions between system components [63,64]. Institutional theory complements complexity perspectives by explaining how blockchain systems gain legitimacy and establish governance norms. Recent applications of institutional theory to blockchain contexts have revealed how these systems navigate competing institutional pressures from technological, regulatory, and community stakeholders [61,62,63,64,65,66].
Additional theoretical perspectives, including actor-network theory, cryptoeconomics, and transaction cost economics, offer complementary insights into specific aspects of blockchain systems [56,57,58,59,60]. However, actor-network theory often overemphasizes technological agency while keeping limited frameworks for analyzing ethical responsibility. Cryptoeconomics frequently simplifies complex social dynamics by reducing them to economic incentives, thereby delivering insufficient attention to ethical considerations. Transaction cost economics primarily focuses on efficiency gains, offering limited insight into collective governance dynamics.
Our systematic literature review reveals significant theoretical and empirical developments in understanding blockchain technology, hybrid intelligence, and ethical governance. By integrating the focus on emergence and self-organization from complexity theory with the attention to legitimacy and governance structures from institutional theory, researchers can gain a deeper understanding of how hybrid intelligence operates in blockchain systems. However, considerable gaps remain regarding the integration of these domains, particularly in developing frameworks that adequately address the ethical challenges of hybrid intelligence in blockchain systems.

1.7. Multi-Paradigm Integration Approach

This study develops a multi-paradigm theoretical framework integrating complexity theory and institutional theory to analyze hybrid intelligence within blockchain structures. This methodological approach is particularly appropriate for the research domain, enabling the integration of theoretical perspectives that address different aspects of hybrid intelligence in blockchain contexts.
The integration of complexity theory and institutional theory is motivated by their complementary strengths in addressing various aspects of hybrid intelligence in blockchain systems. Complexity theory offers valuable insights into the emergent behaviors and self-organizing processes that characterize interactions between human judgment and artificial intelligence in decentralized environments [60]. However, complexity theory alone offers limited insight into how these emergent systems gain legitimacy, navigate regulatory environments, and establish governance norms across different cultural contexts.
Institutional theory complements these insights by explaining how organizational structures gain legitimacy and respond to institutional pressures across various contexts [61,62,63]. However, institutional theory offers limited frameworks for understanding the emergent, self-organizing properties of decentralized systems. By integrating these complementary perspectives, the multi-paradigm framework provides a more comprehensive understanding of hybrid intelligence in blockchain contexts than either theoretical perspective could offer independently.

1.8. Conceptual Framework for Hybrid Intelligence

The framework conceptualizes blockchain-based hybrid intelligence as emerging from complex interactions between three key components:
Human agents include individual and collective human decision-makers participating in blockchain governance through various mechanisms, with significant variation across different blockchain implementations. These agents bring contextual knowledge, ethical judgment, and adaptive decision-making capabilities to the hybrid system.
Artificial intelligence systems encompass algorithmic processes performing automated analysis, decision-making, and execution functions, ranging from simple rule-based algorithms to complex machine-learning implementations. These systems provide computational efficiency, pattern recognition, and consistent application of predetermined rules.
Blockchain protocols represent the underlying technical infrastructure establishing rules for consensus, transaction validation, and data management, evolving through planned modifications and emergent adaptations. These protocols establish the structural foundation enabling interaction between human and AI components.
The interactions between these components generate emergent properties characterizing hybrid intelligence in blockchain systems:
Distributed cognition represents collective intelligence emerging from the interaction of human judgment and algorithmic processing, enabling more sophisticated pattern recognition and decision-making than either component could achieve independently.
Adaptive governance encompasses self-organizing structures evolving in response to changing conditions and stakeholder inputs, creating dynamic governance mechanisms that respond to environmental changes.
Institutional evolution involves the development of new norms, rules, and practices, gaining legitimacy within the blockchain ecosystem, and establishing stable governance patterns over time.

1.9. Complexity Theory Application

Complexity theory offers critical insights into the nonlinear interdependencies underlying the emergence of hybrid intelligence in blockchain environments [62,63,64,65,66]. Hybrid intelligence arises from intricate interactions among human agents, AI frameworks, and blockchain protocols, yielding emergent properties that defy reductionist interpretation.
Blockchain networks exemplify self-organizing behavior facilitated by consensus mechanisms and automated governance, contrasting sharply with traditional centralized organizational structures. The theoretical lens elucidates blockchain operations on principles of decentralization, transparency, and trust, fostering adaptability through iterative processes. The adaptive capacity inherent in hybrid intelligence is characterized by algorithmic enhancements and refined human decision-making, creating dynamic feedback loops that resonate with core principles of complexity theory.
Complexity theory offers several specific insights relevant to blockchain-based hybrid intelligence:
Self-organization is evident as blockchain networks exemplify self-organizing behavior facilitated by consensus mechanisms and automated governance protocols, distributing authority across network participants and allowing governance structures to emerge organically from stakeholder interactions.
Nonlinear dynamics manifest as small changes in system parameters or stakeholder behavior disproportionately affect system outcomes, evident in how minor protocol modifications can significantly impact governance dynamics and stakeholder participation.
Adaptive capacity appears as hybrid intelligence systems demonstrate remarkable adaptability through iterative learning processes, algorithmic enhancements, and refined human decision-making, creating dynamic feedback loops that resonate with core principles of complexity theory [65].
The edge of chaos characterizes blockchain systems operating between rigid order and complete randomness, where adaptability and innovation flourish, balancing rigid protocol enforcement and flexible community-driven evolution.

1.10. Institutional Theory Integration

Institutional theory complements complexity theory as a valuable tool for analyzing how hybrid intelligence structures attain legitimacy and institutionalization within various organizational and societal contexts. The three pillars of institutions—regulatory, normative, and cultural–cognitive—offer a framework for analyzing the evolution of governance structures in blockchain settings [66,67,68,69].
The regulatory pillar addresses formal rules guiding blockchain operations, evolving in response to unique challenges posed by these technologies. The normative pillar elucidates the influence of social norms and stakeholder expectations on hybrid intelligence systems. The cultural–cognitive pillar emphasizes the importance of shared beliefs within the blockchain ecosystem. Institutional pressures from diverse stakeholders—including users, developers, and regulatory bodies—affect the development and adoption of hybrid intelligence in blockchain contexts.
Institutional theory offers several specific insights relevant to blockchain-based hybrid intelligence:
Legitimacy development explains how blockchain systems gain legitimacy through alignment with existing institutional norms while simultaneously challenging traditional organizational boundaries. This dual process of conformity and disruption shapes how hybrid intelligence systems evolve and gain acceptance in different contexts [68].
Institutional isomorphism reveals that blockchain systems often exhibit isomorphic tendencies despite their decentralized nature, adopting similar governance structures and ethical frameworks in response to shared institutional pressures through coercive, mimetic, and normative mechanisms [61,62,63,64,65,66].
Institutional complexity recognizes that blockchain systems operate within environments with competing institutional logic from technological, financial, and regulatory domains, creating governance challenges as systems navigate contradictory demands and expectations from diverse stakeholders.

1.11. Theoretical Propositions

The integration of complexity theory and institutional theory yields three theoretical propositions specifying testable hypotheses for future empirical research while offering conceptual clarity regarding how hybrid intelligence operates in blockchain contexts:
Proposition 1: The emergence of hybrid intelligence in blockchain systems stems from the complex interplay between human judgment, artificial intelligence, and consensus mechanisms, yielding collective intelligence that surpasses the capabilities of any individual component.
Proposition 2: The adaptive capacity of blockchain-based hybrid intelligence increases with the diversity of participating agents and the quality of feedback mechanisms between human and algorithmic decision-makers.
Proposition 3: Institutional pressures drive convergence in ethical frameworks and governance structures across blockchain systems despite their technical differences and diverse origins.
These propositions directly connect to the research questions by specifying the mechanisms through which human–AI interactions generate emergent intelligence properties (Proposition 1), identifying factors of system adaptability (Proposition 2), and explaining how these systems gain legitimacy across different institutional contexts (Proposition 3).

2. Materials and Methods

2.1. Research Design

This study employed a qualitative theoretical approach to evaluate the ethical dimensions of hybrid intelligence applications in blockchain technology and cryptocurrency governance. The methodology centered on a documentary analysis of the scholarly literature, theoretical frameworks, and policy documents to comprehensively cognize the ethical and governance implications [66,67,68,69].
Following established protocols for conceptual research, this study employed a theory synthesis methodology enabling the development of a multi-paradigm framework addressing different aspects of hybrid intelligence in blockchain contexts [67,68]. The research design comprised four interconnected phases:
A systematic literature review involving a comprehensive analysis of the scholarly literature on blockchain technology, hybrid intelligence, and ethical governance, utilizing systematic review protocols to identify relevant sources and extract key concepts.
Theoretical framework development integrating complexity theory and institutional theory to develop a multi-paradigm framework for analyzing hybrid intelligence in blockchain contexts, involving the identification of complementary insights from each theoretical perspective.
Conceptual analysis applying the theoretical framework to analyze key dimensions of hybrid intelligence in blockchain systems, including emergent behaviors, ethical challenges, and governance dynamics.
Proposition development involves formulating testable propositions based on theoretical insights for future empirical research, connecting theoretical concepts to empirically verifiable hypotheses.

2.2. Data Sources and Selection Criteria

The academic literature sources included peer-reviewed journal articles, conference proceedings, and scholarly works published between 2008 and 2025, with a particular emphasis on studies with empirical evidence regarding hybrid intelligence in blockchain contexts, ethical challenges in decentralized systems, and institutional factors influencing blockchain adoption and legitimacy.
Specialized policy databases provided institutional and regulatory perspectives on blockchain governance and AI ethics. The key databases included the following:
  • European Union Legal Database (EUR-Lex): Official documentation of EU AI Act provisions and blockchain regulatory frameworks, selected for comprehensive coverage of institutional AI governance approaches and rigorous peer-review processes.
  • OECD AI Policy Observatory: International policy analysis and comparative governance frameworks, chosen for a cross-national perspective on AI governance principles and institutional backing from 38 member countries.
  • Stanford HAI Policy Database: Academic policy research on AI governance and ethics, selected for rigorous peer-review processes and specialized focus on AI-human interaction governance.
  • IEEE Standards Database: Technical standards for blockchain governance and AI ethics implementation, included for authoritative technical guidance and industry recognition as standard-setting authority.
These databases were selected based on their peer-review processes, institutional backing, and relevance to hybrid intelligence governance challenges. The credibility of these sources derived from their institutional authority, transparent review processes, and recognition within academic and policy communities as authoritative sources for technology governance research.
This review identified 50 relevant publications systematically categorized based on primary focus, theoretical approach, methodological orientation, and empirical context. The categorization revealed key themes, research gaps, and contradictions in the existing literature, stipulating a foundation for theoretical synthesis.

2.3. Analytical Framework

The analytical approach employed interpretive techniques to uncover theoretical patterns and relationships in blockchain governance and hybrid intelligence, guided by grounded theory principles [67,68]. The analysis systematically identified key concepts from complexity and institutional theories, determined integration points between theoretical perspectives, developed an integrated framework, and generated testable propositions.
Analytical Tools and Reliability Measures: A bibliometric analysis was conducted using VOSviewer 1.6.18 for visualizing citation networks. Thematic analysis was conducted using NVivo 12 with systematic coding procedures. Theoretical synthesis was performed using the four-approach framework [69], with proposition development validated through the application of interpretive techniques to uncover theoretical patterns and relationships in blockchain governance and hybrid intelligence, guided by principles of grounded theory. The analysis systematically identified key concepts from complexity and institutional theories, determined integration points between theoretical perspectives, developed an integrated framework, and generated testable propositions.
The analysis addressed three interconnected dimensions of hybrid intelligence in blockchain systems:
  • Governance mechanisms examining the interplay between formal protocols and informal norms, analyzing how technical rules interact with social governance processes.
  • Ethical considerations examine the tensions between transparency, decentralization, and efficiency, identifying fundamental paradoxes that require governance attention.
  • Institutional dynamics examining how these systems gain legitimacy and establish governance norms, focusing on the evolution of institutional structures in decentralized environments.

2.4. Bibliometric Analysis Using PRISMA Protocol

2.4.1. PRISMA-Compliant Search Strategy and Selection Process

A comprehensive bibliometric analysis was conducted following PRISMA guidelines to systematically map the intellectual landscape of hybrid intelligence in blockchain governance.
Search Strategy: The databases searched included Web of Science, Scopus, Google Scholar, and specialized policy databases, utilizing the following search strategy: (“hybrid intelligence” OR “human-AI collaboration”) AND (“blockchain” OR “cryptocurrency” OR “DeFi” OR “DAO”). Search dates: 1–12 June 2025.
PRISMA flow process:
  • Initial identification: 247 publications identified through database searches.
  • After duplicates were removed, 127 unique publications.
  • After screening: 77 publications excluded (not focused on hybrid intelligence, n = 34; purely technical, n = 28; non-English, n = 9; opinion pieces, n = 6).
  • Final inclusion: 50 publications meeting all inclusion criteria.

2.4.2. Publication Trends and Growth Patterns

The analysis, presented in Table 1, reveals exponential growth in research attention, with 82% of publications emerging after 2018, coinciding with the DeFi boom and the increasing recognition of governance challenges in decentralized systems. The recent period (2023–2025) has shown sustained interest, with significant policy and institutional engagement, including comparative governance studies.
Figure 1 below illustrates the exponential growth in research on hybrid intelligence and blockchain governance, with the blue line showing cumulative publications and the red line depicting annual output, highlighting the field’s acceleration during the DeFi emergence period (2018–2022).

2.4.3. Thematic Classification and Research Clusters

The enhanced classification in Table 2 reveals growing attention to policy and institutional dimensions (12.0%), including comparative governance studies and crisis management frameworks, reflecting increasing mainstream recognition of hybrid intelligence governance challenges.
Figure 2 presents a research gap analysis matrix identifying critical knowledge gaps across methodological approaches and research domains, with color coding indicating gap severity and research priority levels.

2.4.4. Methodological Analysis

The updated analysis in Table 3 shows growing methodological diversity, with increased policy analysis reflecting institutional interest in hybrid intelligence governance frameworks, including comparative studies of international AI governance approaches.

2.4.5. Citation Network Analysis

Table 4 identifies the most influential works at the intersection of hybrid intelligence and blockchain research.

2.4.6. Research Gaps and Future Directions Matrix

The enhanced analysis in Table 5 reveals cross-cultural governance as an increasingly critical gap, identifying the need for comparative frameworks bridging different national AI governance approaches, alongside persistent challenges in implementing theory into practice. Furthermore, Table 5 reveals the research gaps and innovation opportunities identified in the literature.

2.5. Theoretical Justification for Framework Selection

The exclusion of other potential theoretical frameworks requires explicit justification. Actor-network theory (ANT) was not selected as the primary theoretical lens because it often overemphasizes technological agency, providing limited frameworks for analyzing ethical responsibility and moral decision-making, which are core concerns in this research.
Cryptoeconomics was excluded from primary analysis because it frequently reduces complex social dynamics to economic incentives, thereby giving insufficient attention to ethical considerations beyond financial optimization. Transaction cost economics primarily focuses on efficiency gains, offering limited insight into collective governance dynamics and ethical trade-offs.
The selected combination of complexity theory and institutional theory provides superior analytical capacity for understanding both emergent system behaviors (complexity theory) and legitimacy formation processes (institutional theory) while maintaining focus on ethical governance challenges.

2.6. Methodological Limitations

The study’s theoretical approach offers valuable insights into the ethical dimensions of hybrid intelligence in blockchain systems, but has inherent limitations requiring acknowledgment:
Validation of theoretical propositions requires validation through case studies, surveys, or experimental approaches in future research to test empirical applicability.
Contextual specificity refers to the theoretical framework’s potential need for adaptation to specific blockchain implementations and cultural contexts, as governance dynamics vary across different blockchain ecosystems.
Temporal evolution recognizes that blockchain technology and artificial intelligence are rapidly evolving fields, potentially limiting the long-term applicability of current theoretical insights.
Stakeholder perspectives acknowledge that theoretical analysis primarily draws on academic literature and technical documentation, potentially underrepresenting the diverse perspectives of stakeholders in blockchain ecosystems.
These limitations suggest several directions for future research, including mixed-method approaches combining theoretical analysis with case studies, participatory research engaging diverse stakeholders in collaborative research processes, and longitudinal studies tracking the evolution of hybrid intelligence governance over time.

3. Results

3.1. Emergence of Hybrid Intelligence in Blockchain Systems

The theoretical analysis reveals sophisticated patterns of interaction between human judgment and artificial intelligence within the blockchain’s decentralized architecture. Hybrid intelligence emerges through complex feedback loops between human decision-makers, artificial intelligence systems, and blockchain protocols, creating forms of collective intelligence that transcend traditional organizational boundaries.
The specific form of hybrid intelligence in any blockchain implementation depends on several factors. The technical architecture establishes parameters for consensus mechanisms, transaction validation, and data management that shape the interaction between human judgment and artificial intelligence. Different consensus mechanisms generate distinct interaction patterns between human validators and algorithmic processes, resulting in varying forms of hybrid intelligence with unique security characteristics.
Governance design establishes relationships between human decision-makers and artificial intelligence processes through formal and informal structures within blockchain systems. Empirical research reveals that governance design choices directly influence the distribution of decision-making authority between human and algorithmic components, with significant implications for system accountability and responsiveness.
The institutional context shapes the expectations, incentives, and constraints influencing how hybrid intelligence develops in different contexts. Collectivist cultures emphasize community consensus, while individualist cultures prioritize algorithmic efficiency and transparency, resulting in distinct patterns of human–AI interaction.
The emergence of hybrid intelligence manifests through several key mechanisms:
Algorithmic governance with human oversight enables blockchain systems to strike a balance between automated and human-driven governance through carefully designed decision-making structures. AI-driven oracles continuously monitor and adjust cryptocurrency parameters, while human stakeholders retain authority over fundamental protocol modifications and strategic decisions. This balance manifests differently across blockchain implementations, establishing distinct relationships between algorithmic processes and human oversight based on governance priorities.
Collaborative decision support enables successful hybrid intelligence systems to create new forms of collaborative decision-making rather than merely automating existing processes. Smart contracts function as dynamic interfaces between human judgment and artificial intelligence, creating sophisticated feedback loops where AI systems learn from human interventions and decision support through data analysis and pattern recognition.
Adaptive learning processes demonstrate the emergent nature of hybrid intelligence, as these systems adapt to novel challenges. Rather than following predetermined paths, blockchain networks demonstrate remarkable flexibility in combining human insight with algorithmic efficiency to address unexpected governance challenges.
The evidence suggests that effective hybrid intelligence depends on well-designed interfaces between human and algorithmic decision-making, with clear delineation of authority and responsibility. The emergence of hybrid intelligence in blockchain systems creates opportunities and challenges for ethical governance, enhancing security, efficiency, and transparency while introducing novel accountability questions and potential power imbalances.

3.2. Ethical Challenges and Governance Paradoxes

The integration of artificial intelligence within blockchain systems presents profound ethical challenges extending beyond traditional governance frameworks. The theoretical analysis identifies three fundamental paradoxes that hybrid intelligence systems must navigate, each representing a critical tension in blockchain governance.
The transparency–opacity paradox manifests when the blockchain’s inherent transparency creates new opacities in AI decision-making processes. While the blockchain provides unprecedented transaction transparency through distributed ledgers, algorithmic decision-making processes within the transparent infrastructure often function as “black boxes” with limited interpretability. This paradox becomes especially problematic when examining how algorithmic decisions influence human behavior and vice versa.
Governance responses to this paradox include the implementation of explainable AI approaches requiring algorithmic decisions to include human-readable justifications and mandatory disclosure of decision parameters for high-impact transactions. These approaches demonstrate how thoughtful governance design can address competing ethical values simultaneously rather than treating them as zero-sum trade-offs.
The decentralization–centralization paradox appears when a decentralized blockchain architecture enables concentrated control despite a democratic rhetoric. Detailed examination of governance structures reveals that decision-making authority often concentrates among stakeholders with substantial token holdings, despite the blockchain’s democratic aspirations [14,70,71]. This concentration raises fundamental questions about equity and representation in hybrid intelligence systems, as they increasingly influence crucial economic and social choices.
Governance responses include introducing quadratic voting mechanisms to reduce plutocratic influence and delegation mechanisms to distribute influence more equitably while maintaining system efficiency. These innovations demonstrate adaptive responses to governance challenges that emerge from the interaction of the technical architecture and social dynamics.
The efficiency–sensitivity paradox arises when algorithmic optimization for specific technical metrics inadvertently leads to unintended ethical consequences. This paradox underscores how optimization for efficiency often undermines ethical sensitivity, necessitating sophisticated governance approaches that strike a balance between competing values rather than merely maximizing performance metrics.
Governance responses include the development of privacy-preserving machine learning techniques enabling fraud detection without compromising transaction confidentiality through advanced cryptographic methods. These approaches demonstrate how systems can adapt to balance competing ethical priorities through technological innovation guided by ethical principles.

3.2.1. Scale of Ethical Problems

Qualified Ethical Challenges: Analysis of major DeFi protocols’ automated decisions lacks sufficient transparency for stakeholder verification, creating potential liability exposure across major platforms. A transaction privacy analysis reveals concerns about the trade-off between privacy and transparency.
Analysis of major DAO implementations shows that a small portion of token holders control most of the voting power, with vast governance influence. This concentration raises fundamental questions about equity and representation in hybrid intelligence systems.

3.2.2. Responsibility Attribution for AI Errors

When algorithmic decisions cause harm in hybrid intelligence systems, responsibility attribution follows a structured layered model:
Individual Developer Responsibility: Developers bear direct responsibility for coding errors, inadequate testing procedures, and failure to implement known security measures.
Platform Operator Accountability: Platform operators are accountable for algorithm selection, parameter setting, monitoring systems, and providing adequate user safeguards.
Governance Community Responsibility: The broader governance community bears collective responsibility for establishing oversight mechanisms, ethical guidelines, and accountability frameworks.
Hybrid Failure Protocols: When failures involve both human and algorithmic components, shared accountability protocols establish clear escalation procedures and remediation mechanisms.
These ethical challenges and their associated paradoxes directly connect to Proposition 2, which states that “the adaptive capacity of blockchain-based hybrid intelligence increases with the diversity of participating agents and the quality of feedback mechanisms between human and algorithmic decision-makers.” The governance responses to each paradox demonstrate how adaptive capacity manifests in practice through the development of new governance mechanisms responding to emerging ethical challenges.

3.3. Institutional Mechanisms for Ethical Governance

Our analysis identifies several institutional mechanisms enabling ethical governance of hybrid intelligence in cryptocurrency ecosystems amid competing transparency and privacy demands. These mechanisms address research question 2 by affording concrete approaches for managing ethical tensions in decentralized systems.
Layered governance structures distribute decision-making authority across multiple levels, with routine operational decisions automated through smart contracts while strategic governance decisions require human oversight with transparent deliberation processes. This approach enables efficient operations while maintaining ethical accountability through contextually appropriate governance mechanisms.
Embedded ethics frameworks integrate ethical principles directly into technical protocols through formal verification mechanisms that enforce compliance with predetermined governance rules [58]. These frameworks ensure that ethical considerations remain central to system operations even as systems scale up and evolve.
Adaptive governance mechanisms enable systems to evolve through structured modification processes, balancing the need for innovation with the requirement for stability. These mechanisms include stakeholder participation processes, formal proposal and voting systems, and graduated implementation approaches that allow for learning and adjustment.
The transformation of institutional structures through blockchain-based hybrid intelligence has significant policy implications. Regulatory frameworks developed for centralized financial systems may inadequately address the unique characteristics of decentralized hybrid intelligence, potentially creating either excessive constraints or insufficient oversight. The evolving regulatory landscape requires governance approaches that balance innovation with appropriate safeguards, particularly regarding systemic risk management, consumer protection, and market integrity.
Trust mechanism innovation establishes new institutional forms of trust combining algorithmic verification with human oversight, challenging traditional trust mechanisms based on centralized authority and creating more distributed and resilient trust structures [59]. These processes create new institutional foundations for trust, differing significantly from purely social or technical trust mechanisms.
Accountability distribution fundamentally redefines accountability by distributing responsibility across human and algorithmic agents, challenging traditional notions of accountability while enabling more responsive and adaptive governance structures. This distributed approach requires new frameworks for establishing responsibility and consequences in decentralized systems.
Our analysis reveals that hybrid intelligence systems have the potential to either reinforce or mitigate existing power imbalances depending on design choices, including token distribution mechanisms, governance participation structures, and algorithmic design principles [63,64]. These design decisions significantly influence the socioeconomic impact of hybrid intelligence systems.

3.4. Primary Theoretical and Methodological Innovations

This research generates four fundamental theoretical innovations that create significant multiplication effects across multiple domains. The first innovation establishes a multi-paradigm integration methodology that provides the first systematic integration of complexity and institutional theories for blockchain governance analysis. This methodology bridges the gap in interdisciplinary approaches identified in bibliometric analysis. It offers a replicable framework for analyzing other emerging technology governance challenges, including IoT, quantum computing, and biotechnology applications.
The second innovation introduces a governance paradox taxonomy that identifies and formalizes three fundamental paradoxes in hybrid intelligence systems. This framework addresses studies that examine governance challenges in isolation, rather than systematically, while providing applicability to any human–AI collaborative system across various industries, including healthcare AI, autonomous vehicles, and financial trading platforms.
The third theoretical contribution develops an embedded ethics framework that creates a technical implementation pathway for integrating ethical principles into blockchain protocols. This innovation addresses the theory–practice gap identified in the ethical AI literature and provides a scalable approach for implementing ethical AI across all technology platforms. The fourth innovation proposes an institutional legitimacy model for decentralized systems, explaining how distributed systems achieve legitimacy without a central authority, thereby filling a critical gap in institutional theory for non-hierarchical organizations.

3.5. Framework Application Potential

The theoretical framework offers structured guidance for the practical implementation of blockchain governance contexts. The multi-paradigm approach offers systematic methodologies for:
DAO Governance Enhancement: The framework could address widespread governance challenges through layered governance architectures, ethical constraint integration, and stakeholder participation mechanisms.
Implementation Methodology: A structured five-phase approach provides systematic deployment guidance:
  • Assessment and planning phases for stakeholder analysis.
  • Design phases for governance architecture development.
  • Implementation phases for technical deployment.
  • Monitoring phases for effectiveness evaluation.
  • Adaptation phases for continuous improvement.

4. Discussion

4.1. Theoretical Contributions

This research makes several significant theoretical contributions to understanding hybrid intelligence within blockchain systems, thus extending existing scholarship in meaningful ways.
The integration of complexity and institutional theories offers a novel framework for analyzing hybrid intelligence in blockchain contexts. Unlike previous approaches, which often examine the technical or social dimensions in isolation, this framework offers a comprehensive understanding of how hybrid intelligence emerges from complex interactions while gaining legitimacy through institutional processes. This contribution extends beyond existing theoretical approaches by specifically exploring the ethical dimensions of human–AI integration in blockchain environments [25,26,27].
Empirically grounded theoretical propositions regarding hybrid intelligence in blockchain systems specify a structured framework for empirical validation. These propositions address key aspects of emergent intelligence, adaptive capacity, and institutional legitimacy, offering guidance for future research while being grounded in a systematic analysis of evidence across multiple blockchain implementations.
A sophisticated conceptualization of power dynamics in decentralized systems offers a more nuanced understanding of how power operates in decentralized environments than previous theoretical approaches. This contribution is particularly significant given the documented tendency for governance power to concentrate among stakeholders with substantial holdings despite the blockchain’s autonomous aspirations [23].
The advancement of ethical governance theory identifies how decentralized systems create novel accountability challenges and governance requirements. The theoretical framework illuminates the tensions between transparency, opacity, efficiency, and ethical sensitivity, advancing understanding of governance dynamics in hybrid intelligence contexts.
This research demonstrates how blockchain-based hybrid intelligence establishes novel governance mechanisms balancing automated efficiency with human judgment. The findings reveal sophisticated patterns of interaction between smart contracts, human decision-makers, and artificial intelligence systems, suggesting that successful blockchain governance requires careful attention to both technical and social dimensions.

4.2. Practical Implications

This research offers practical implications for blockchain developers, participants, regulators, and other stakeholders navigating the ethical challenges of hybrid intelligence in decentralized systems.
Design principles for blockchain governance structures that effectively balance algorithmic efficiency with human oversight include layered governance, implementing multi-level structures with different decision-making mechanisms based on decision scope and ethical sensitivity. Successful governance structures establish different relationships between algorithmic processes and human oversight for operational versus strategic decisions, enabling efficient operations while maintaining ethical accountability.
Explicit power distribution through governance mechanisms addressing power dynamics and stakeholder representation can mitigate power concentration while maintaining system efficiency. This principle addresses the decentralization–centralization paradox by implementing mechanisms preventing plutocratic governance while preserving efficient decision-making.
Structured feedback loops establish formal mechanisms for human oversight to guide and refine algorithmic processes, addressing the transparency–opacity paradox by ensuring algorithmic processes remain comprehensible and accountable to human stakeholders through ongoing monitoring and adjustment.
Multi-level transparency develops mechanisms addressing both transaction visibility and algorithmic comprehensibility by implementing explainable AI techniques and appropriate information disclosure tailored to stakeholder needs. This approach recognizes that different stakeholders require different levels of technical detail while maintaining overall system transparency.
Distributed accountability establishes transparent responsibility relationships across technical and human components, ensuring that ethical considerations remain central even in highly automated systems. This approach addresses the challenge of maintaining accountability in systems where responsibility is distributed across multiple agents and processes.
For regulatory approaches to blockchain-based hybrid intelligence, our analysis highlights risk-based oversight implementing mechanisms proportional to system risk and impact rather than uniform approaches across all blockchain implementations. This balances regulatory compliance with innovation potential based on contextual risk assessment.

4.3. Future Research Directions

This study has several limitations, suggesting important directions for future investigation that would advance both theoretical understanding and practical implementation of ethical governance in hybrid intelligence systems.
Empirical validation of theoretical propositions requires systematic testing across different blockchain implementations and cultural contexts. Future research should employ mixed-method approaches combining case studies, surveys, and experimental methods to validate and refine the framework’s application in various contexts.
Longitudinal studies tracking the evolution of hybrid intelligence governance across different developmental stages would provide valuable insights into how these systems adapt to technological advances and emerging challenges. As blockchain technology and artificial intelligence are rapidly evolving fields, there are potential limitations to the long-term applicability of current theoretical insights.
Domain-specific research examining hybrid intelligence applications in healthcare, environmental governance, and public administration would enhance understanding of how the framework applies across different contexts. While the framework provides general principles for analyzing hybrid intelligence in blockchain contexts, the application requires adaptation to specific technical architectures, governance structures, and institutional environments.
Cross-cultural validation addresses geographic and methodological research limitations by examining how cultural factors influence the governance of hybrid intelligence. Future research should examine hybrid intelligence applications across diverse cultural and regulatory contexts to understand how cultural factors influence governance effectiveness.
Participatory research methodologies engaging diverse stakeholders in collaborative research processes would ensure representation of different perspectives and experiences from developers, users, regulators, and other stakeholders in blockchain ecosystems. Current theoretical analysis primarily draws on the academic literature and technical documentation, potentially underrepresenting stakeholder perspectives.

4.4. Empirical Validation Framework for Theoretical Propositions

To address limitations regarding empirical grounding, this section outlines specific empirical validation approaches for each theoretical proposition and future research:
Proposition 1 Validation: Emergent Intelligence Properties
  • Methodology: Comparative analysis of five to seven major blockchain platforms measuring collective intelligence outcomes versus individual component capabilities.
  • Metrics: Decision accuracy rates, problem-solving speed, adaptive capacity indicators.
  • Timeline: Eighteen-month longitudinal study tracking intelligence emergence patterns.
  • Expected Outcomes: Quantified evidence demonstrating emergent intelligence properties exceeding individual component capabilities.
Proposition 2 Validation: Adaptive Capacity Factors
  • Methodology: Controlled experiments manipulating stakeholder diversity, and feedback mechanism quality.
  • Variables: Stakeholder background diversity, feedback loop frequency, and information quality measures.
  • Timeline: Twelve-month experimental study with controlled interventions.
  • Expected Outcomes: Statistical relationships between diversity/feedback quality and adaptive capacity.
Proposition 3 Validation: Institutional Legitimacy Convergence
  • Methodology: Cross-platform governance framework analysis examining convergence patterns.
  • Data Sources: Governance documentation, stakeholder interviews, and regulatory compliance measures.
  • Timeline: Twenty-four-month comparative study across multiple jurisdictions.
  • Expected Outcomes: Evidence of institutional pressure effects on governance convergence.

5. Conclusions

The integration of hybrid intelligence into blockchain systems represents a fundamental transformation in organizational governance and institutional design. This research has developed a multi-paradigm theoretical framework advancing the understanding of how hybrid intelligence emerges, evolves, and operates within blockchain’s decentralized architecture. By integrating complexity theory and institutional theory, the framework illuminates the emergent system properties and institutional dynamics that characterize hybrid intelligence in blockchain contexts.
The analysis reveals how hybrid intelligence emerges through complex interactions between human judgment and artificial intelligence within the blockchain’s decentralized architecture, creating novel forms of collective intelligence that transcend traditional organizational boundaries. These systems achieve a balance between automated efficiency and human oversight through carefully designed governance structures, establishing appropriate relationships between algorithmic processes and human judgment based on decision scope and ethical sensitivity.
The research identifies critical ethical challenges in hybrid intelligence governance, with quantified analysis revealing DeFi automated decisions lack adequate transparency, with potential liability exposure, while the top token holders control voting power in major DAO implementations.
Research question 1 is answered through a demonstration that complex interactions between human judgment and AI within blockchain systems generate emergent intelligence properties through three key mechanisms: algorithmic governance with human oversight, collaborative decision support, and adaptive learning processes. These mechanisms enable collective intelligence exceeding the capabilities of human or algorithmic components alone, confirming Proposition 1.
Research question 2 is addressed through the identification of effective institutional mechanisms for the ethical governance of hybrid intelligence in cryptocurrency ecosystems, including layered transparency structures, distributed accountability frameworks, and adaptive governance processes balancing competing transparency and privacy demands. These governance mechanisms gain legitimacy through alignment with existing institutional norms while creating novel accountability structures appropriate for decentralized systems, supporting Proposition 3.
Empirical Validation Pathway: This study establishes concrete frameworks for empirical testing through comparative case studies across major blockchain platforms, the longitudinal tracking of governance evolution over 12–24-month periods, experimental protocols for testing specific governance mechanisms, and cross-cultural validation across different regulatory and cultural contexts. These validation approaches address current limitations while providing systematic pathways for the development of evidence-based governance.
Limitations and Future Directions: This theoretical framework provides essential foundational knowledge for systematic empirical investigation, rather than definitive conclusions about the effectiveness of hybrid intelligence governance. The framework establishes conceptual foundations requiring empirical validation across diverse blockchain implementations, cultural contexts, and regulatory environments before widespread practical implementation.
Future research should pursue empirical validation, domain-specific applications, examination of power dynamics, and tracking of regulatory evolution to advance the consideration of hybrid intelligence in blockchain contexts through a comprehensive investigation of governance effectiveness across diverse contexts. By pursuing these research directions, scholars and practitioners can develop a more nuanced understanding of how hybrid intelligence operates across various contexts, informing more effective governance approaches that strike a balance between technical innovation and ethical considerations.
In summary, the convergence of blockchain technology and artificial intelligence represents a significant frontier in organizational theory and practice, challenging conventional assumptions about governance, accountability, and institutional structures. By developing sophisticated theoretical frameworks to understand this convergence, better navigation of its ethical implications and harnessing of its potential for a positive social impact across diverse domains and cultural contexts is possible.

Funding

This research received no external funding.

Institutional Review Board Statement

Not applicable.

Informed Consent Statement

Not applicable.

Data Availability Statement

The original contributions presented in this study are included in the article. Further inquiries can be directed to the corresponding author.

Conflicts of Interest

The author declares no conflicts of interest.

References

  1. Hassan, S.; De Filippi, P. Decentralized autonomous organizations. Internet Policy Rev. 2021, 10, 1–10. [Google Scholar] [CrossRef]
  2. Ismail, L.; Materwala, H. A Review of Blockchain Architecture and Consensus Protocols: Use Cases, Challenges, and Solutions. Symmetry 2019, 11, 1198. [Google Scholar] [CrossRef]
  3. Nakamoto, S. Bitcoin: A Peer-to-Peer Electronic Cash System. Available online: https://bitcoin.org/bitcoin.pdf (accessed on 25 June 2025).
  4. Antonopoulos, A.M.; Harding, D.A. Mastering Bitcoin: Programming the Open Blockchain, 3rd ed.; O’Reilly Media: Sebastopol, CA, USA, 2023. [Google Scholar]
  5. Antonopoulos, A.M. The Internet of Money: A Collection of Talks; Merkle Bloom LLC: Middletown, DE, USA, 2016; pp. 1–152. [Google Scholar]
  6. Ammous, S. The Bitcoin Standard: The Decentralized Alternative to Central Banking; John Wiley & Sons: Hoboken, NJ, USA, 2018; pp. 1–304. [Google Scholar]
  7. Burniske, C.; Tatar, J. Cryptoassets: The Innovative Investor’s Guide to Bitcoin and Beyond; McGraw-Hill Education: New York, NY, USA, 2018; pp. 1–352. [Google Scholar]
  8. Tapscott, D.; Tapscott, A. Blockchain Revolution: How the Technology Behind Bitcoin Is Changing Money, Business, and the World, Updated ed.; Portfolio: New York, NY, USA, 2018; pp. 1–432. [Google Scholar]
  9. Popper, N. Digital Gold: Bitcoin and the Inside Story of the Misfits and Millionaires Trying to Reinvent Money; Harper Paperbacks: New York, NY, USA, 2016; pp. 1–432. [Google Scholar]
  10. Lewis, A. The Basics of Bitcoins and Blockchains: An Introduction to Cryptocurrencies and the Technology that Powers Them; Mango Publishing Group: Coral Gables, FL, USA, 2018; pp. 1–408. [Google Scholar]
  11. Casey, M.J.; Vigna, P. The Truth Machine: The Blockchain and the Future of Everything; St. Martin’s Press: New York, NY, USA, 2018. [Google Scholar]
  12. Champagne, P. The Book of Satoshi: The Collected Writings of Bitcoin Creator Satoshi Nakamoto; E53 Publishing LLC: Temecula, CA, USA, 2014; pp. 1–394. [Google Scholar]
  13. Liu, H.K.; Tang, M.; Collard, A.S.J. Hybrid Intelligence for the Public Sector: A Bibliometric Analysis of Artificial Intelligence and Crowd Intelligence. Gov. Inf. Q. 2025, 42, 102006. [Google Scholar] [CrossRef]
  14. Parasol, M. How to Control the AIs and Incentivize the Humans with Crypto. Cointelegraph Magazine. 2 May 2023. Available online: https://cointelegraph.com/magazine/ai-blockchain-control-robots-incentivise-humans/ (accessed on 18 June 2025).
  15. Goldman Sachs. What to Expect from AI in 2025: Hybrid Workers, Robotics, Expert Models 2025. Available online: https://www.goldmansachs.com/insights/articles/what-to-expect-from-ai-in-2025-hybrid-workers-robotics-expert-models (accessed on 1 July 2025).
  16. United Nations Conference on Trade and Development. Proceedings of the 2025 Technology and Innovation Report: Inclusive Artificial Intelligence for Development; United Nations: Geneva, Switzerland, 2025; Available online: https://unctad.org/system/files/official-document/tir2025_en.pdf (accessed on 18 June 2025).
  17. Stone, M. How AI is Creating Self-Owned Crypto Companies: The DAO Revolution. Medium. 2025. Available online: https://medium.com/@maxstoneSL/how-ai-is-creating-self-owned-crypto-companies-the-dao-revolution-0ca9397651d2 (accessed on 18 June 2025).
  18. Soltanshahi, M.; Maier, M. Metaversal Intelligence: Unifying Human-AI Interactions in Human-in-the-loop AIB-Metaverse. Comput. Netw. 2025, 269, 111425. [Google Scholar] [CrossRef]
  19. Maier, M.; Chen, Y.; Chou, C.F.; Garus, A.; Kröner, A.; Katsaros, K.V.; Yu, S.; Yamazaki, T. Metaverse as the New Eleusis 2.0: Are we in the midst of the next renaissance? Blockchain Res. Appl. 2023, 4, 100151. [Google Scholar]
  20. Kaal, W.A. AI Governance Via Web3 Reputation System. Stanford J. Blockchain Law Policy. 2025. Available online: https://stanford-jblp.pubpub.org/pub/aigov-via-web3/release/1 (accessed on 18 June 2025).
  21. Tenakwah, E.S.; Watson, C. Embracing the AI/automation age: Preparing your workforce for humans and machines working together. Strategy Leadersh. 2025, 53, 32–48. [Google Scholar] [CrossRef]
  22. Wang, S.; Ding, W.; Li, J.; Yuan, Y.; Ouyang, L.; Wang, F.Y. Decentralized autonomous organizations: Concept, model, and applications. IEEE Trans. Comput. Soc. Syst. 2022, 9, 622–635. [Google Scholar] [CrossRef]
  23. Koutmos, D. Return and volatility spillovers among cryptocurrencies. Econ. Lett. 2018, 173, 122–127. [Google Scholar] [CrossRef]
  24. Xiong, H.; Chen, M.; Wu, C.; Zhao, Y.; Yi, W. Research on Progress of Blockchain Consensus Algorithm: A Review on Recent Progress of Blockchain Consensus Algorithms. Future Internet 2022, 14, 47. [Google Scholar] [CrossRef]
  25. Zheng, Z.; Xie, S.; Dai, H.; Chen, X.; Wang, H. An overview of blockchain technology: Architecture, consensus, and future trends. In Proceedings of the 2017 IEEE International Congress on Big Data, Honolulu, HI, USA, 25–30 June 2017; pp. 557–564. [Google Scholar]
  26. Buterin, V. Ethereum White Paper: A Next-Generation Smart Contract and Decentralized Application Platform; Ethereum Foundation: Zug, Switzerland, 2014. [Google Scholar]
  27. Risius, M.; Spohrer, K. A blockchain research framework: What we (don’t) know, where we go from here, and how we will get there. Bus. Inf. Syst. Eng. 2017, 59, 385–409. [Google Scholar] [CrossRef]
  28. Floridi, L.; Cowls, J.; Beltrametti, M.; Chatila, R.; Chazerand, P.; Dignum, V.; Luetge, C.; Madelin, R.; Pagallo, U.; Rossi, F.; et al. AI4People—An Ethical Framework for a Good AI Society: Opportunities, Risks, Principles, and Recommendations. Minds Mach. 2018, 28, 689–707. [Google Scholar] [CrossRef] [PubMed]
  29. Jobin, A.; Ienca, M.; Vayena, E. The global landscape of AI Ethics Guidelines. Nat. Mach. Intell. 2019, 1, 389–399. [Google Scholar] [CrossRef]
  30. Bentham, J. An Introduction to the Principles of Morals and Legislation; Oxford University Press: Oxford, UK, 1996. [Google Scholar]
  31. Mill, J.S. Utilitarianism; Parker, Son, and Bourn: London, UK, 2001. [Google Scholar]
  32. Singer, P. Practical Ethics, 3rd ed.; Cambridge University Press: Cambridge, UK, 2011. [Google Scholar]
  33. Hursthouse, R.; Pettigrove, G. Virtue Ethics. In Stanford Encyclopedia of Philosophy; Zalta, E.N., Ed.; Stanford University: Stanford, CA, USA, 2018. [Google Scholar]
  34. Aristotle. Nicomachean Ethics; Ross, W.D., Ed.; Oxford University Press: Oxford, UK, 2009. [Google Scholar]
  35. Vallor, S. Technology and the Virtues: A Philosophical Guide to a Future Worth Wanting; Oxford University Press: Oxford, UK, 2016. [Google Scholar]
  36. Ryan, M. In AI We Trust: Ethics, Artificial Intelligence, and Reliability. Sci. Eng. Ethics 2020, 26, 2749–2767. [Google Scholar] [CrossRef] [PubMed]
  37. Kant, I. Groundwork for the Metaphysics of Morals; Gregor, M., Translator; Cambridge University Press: Cambridge, UK, 1998. [Google Scholar]
  38. Rawls, J. A Theory of Justice, Revised ed.; Harvard University Press: Cambridge, MA, USA, 1999. [Google Scholar]
  39. Dworkin, R. Taking Rights Seriously; Harvard University Press: Cambridge, MA, USA, 1977. [Google Scholar]
  40. Winfield, A.F.; Jirotka, M. Ethical governance is essential to building trust in robotics and artificial intelligence systems. Philos. Trans. R. Soc. A 2018, 376, 20180085. [Google Scholar] [CrossRef] [PubMed]
  41. Lumineau, F.; Wang, W.; Schilke, O. Blockchain governance—A new way of organizing collaborations? Organ. Sci. 2021, 32, 500–521. [Google Scholar] [CrossRef]
  42. Alibašić, H. Harmonizing artificial intelligence (AI) governance: A comparative analysis of Singapore and France’s AI policies and the influence of international organizations. Glob. Public Policy Gov. 2025, 5, 93–113. [Google Scholar] [CrossRef]
  43. Weking, J.; Mandalenakis, M.; Hein, A.; Hermes, S.; Böhm, M.; Krcmar, H. The impact of blockchain technology on business models: A taxonomy and archetypal patterns. Electron. Mark. 2020, 30, 285–298. [Google Scholar] [CrossRef]
  44. Greenwood, R.; Hinings, C.R.; Whetten, D. Rethinking Institutions and Organizations. J. Manag. Stud. 2014, 51, 1206–1220. [Google Scholar] [CrossRef]
  45. Werbach, K. The Blockchain and the New Architecture of Trust; MIT Press: Cambridge, MA, USA, 2018. [Google Scholar]
  46. Fu, Y.; Zhuang, Z.; Zhang, L. AI Ethics on Blockchain: Topic Analysis on Twitter Data for Blockchain Security. arXiv 2022, arXiv:2212.06951. [Google Scholar]
  47. Casino, F.; Dasaklis, T.K.; Patsakis, C. A systematic literature review of blockchain-based applications: Current status, classification, and open issues. Telemat. Inform. 2019, 36, 55–81. [Google Scholar] [CrossRef]
  48. De Filippi, P.; Wright, A. Blockchain and the Law: The Rule of Code; Harvard University Press: Cambridge, MA, USA, 2018. [Google Scholar]
  49. McMahan, H.B.; Moore, E.; Ramage, D.; Hampson, S.; Arcas, B.A. Communication-Efficient Learning of Deep Networks from Decentralized Data. arXiv 2017, arXiv:1602.05629. [Google Scholar]
  50. Yang, Q.; Liu, Y.; Chen, T.; Tong, Y. Federated machine learning: Concept and applications. ACM Trans. Intell. Syst. Technol. 2019, 10, 1–19. [Google Scholar] [CrossRef]
  51. Azolibe, C.B.; Okonkwo, J.J.; Obi-Nwosu, V.O. Technology-based banking and bank deposit: The Nigerian commercial banks’ experience. Afr. J. Sci. Technol. Innov. Dev. 2023, 15, 31–44. [Google Scholar] [CrossRef]
  52. Fisch, C.; Masiak, C.; Vismara, S.; Block, J. Motives and profiles of ICO investors. J. Bus. Res. 2021, 125, 564–576. [Google Scholar] [CrossRef]
  53. Clifton, C.; Blythman, R.; Tulusan, K. Is decentralized AI safer? arXiv 2022, arXiv:2211.05828. [Google Scholar]
  54. Snowden, E. The Future of Crypto Is Not What It Seems. YouTube. 2023. Available online: https://www.youtube.com/watch?v=OPd9NcyIuy0 (accessed on 1 June 2024).
  55. So, C.; Conway, K.; Yu, X.; Yao, S.; Wong, K. Opp/ai: Optimistic Privacy-Preserving AI on Blockchain. arXiv 2024, arXiv:2402.15006. [Google Scholar]
  56. Yeung, K. Regulation by Blockchain: The Emerging Battle for Supremacy between the Code of Law and Code as Law. Mod. Law Rev. 2019, 82, 207–239. [Google Scholar] [CrossRef]
  57. DuPont, Q. Experiments in algorithmic governance: A history and ethnography of “The DAO,” a failed decentralized autonomous organization. In Bitcoin and Beyond; Campbell-Verduyn, M., Ed.; Routledge: London, UK, 2017; pp. 157–177. [Google Scholar]
  58. Andersen, J.V.; Ingram Bogusz, C. Self-organizing in blockchain infrastructures: Generativity through shifting objectives and forking. J. Assoc. Inf. Syst. 2019, 20, 1242–1273. [Google Scholar] [CrossRef]
  59. Chen, Y.; Bellavitis, C. Decentralized Finance: Blockchain Technology and the Quest for an Open Financial System. Stevens Inst. Technol.-Sch. Bus. Res. Pap. Ser. 2019. [Google Scholar] [CrossRef]
  60. Voshmgir, S. Token Economy: How Blockchains and Smart Contracts Revolutionize the Economy; BlockchainHub Berlin: Berlin, Germany, 2019. [Google Scholar]
  61. Anderson, P. Complexity theory and organization science. Organ. Sci. 1999, 10, 216–232. [Google Scholar] [CrossRef]
  62. Uhl-Bien, M.; Arena, M. Leadership for organizational adaptability: A theoretical synthesis and integrative framework. Leadership. Q. 2018, 29, 89–104. [Google Scholar] [CrossRef]
  63. Holland, J.H. Complexity: A Very Short Introduction; Oxford University Press: Oxford, UK, 2014. [Google Scholar]
  64. DiMaggio, P.J.; Powell, W.W. The iron cage revisited: Institutional isomorphism and collective rationality in organizational fields. Am. Sociol. Rev. 1983, 48, 147–160. [Google Scholar] [CrossRef]
  65. Alibašić, H. Advancing disaster resilience: The ethical dimensions of adaptability and adaptive leadership in public service organizations. Public Integr. 2024, 27, 209–221. [Google Scholar] [CrossRef]
  66. Scott, W.R. Institutions and Organizations: Ideas, Interests, and Identities; Sage Publications: Thousand Oaks, CA, USA, 2014. [Google Scholar]
  67. Charmaz, K. Constructing Grounded Theory: A Practical Guide Through Qualitative Analysis; Sage Publications: London, UK, 2006. [Google Scholar]
  68. Creswell, J.W. Research Design: Qualitative, Quantitative, and Mixed Methods Approaches; Sage Publications: Thousand Oaks, CA, USA, 2014. [Google Scholar]
  69. Jaakkola, E. Designing conceptual articles: Four approaches. AMS Rev. 2020, 10, 18–26. [Google Scholar] [CrossRef]
  70. Beck, R.; Müller-Bloch, C.; King, J.L. Governance in the blockchain economy: A framework and research agenda. J. Assoc. Inf. Syst. 2018, 19, 1020–1034. [Google Scholar] [CrossRef]
  71. Asif, R.; Hassan, S.R.; Parr, G. Integrating a Blockchain-Based Governance Framework for Responsible AI. Future Internet 2023, 15, 97. [Google Scholar] [CrossRef]
Figure 1. Publication growth trends in hybrid intelligence and blockchain governance (2008–2025).
Figure 1. Publication growth trends in hybrid intelligence and blockchain governance (2008–2025).
Fintech 04 00034 g001
Figure 2. Research gap analysis matrix.
Figure 2. Research gap analysis matrix.
Fintech 04 00034 g002
Table 1. Temporal distribution of publications on hybrid intelligence and blockchain governance (2008–2025).
Table 1. Temporal distribution of publications on hybrid intelligence and blockchain governance (2008–2025).
PeriodPublicationsCumulativeGrowth Rate (%)Key Developments
2008–201233-Bitcoin emergence, foundational blockchain
2013–201769100%Ethereum, smart contracts, early DAOs
2018–20201524167%DeFi emergence, governance tokens
2021–2022164067%NFTs, institutional adoption, regulatory focus
2023–2025105025%AI integration, hybrid systems, policy frameworks
Table 2. Systematic classification of the literature by research focus and methodology.
Table 2. Systematic classification of the literature by research focus and methodology.
Research CategoryPublications (n)Percentage (%)Dominant MethodologiesKey Theoretical Frameworks
Technical Architecture1224.0Case studies, Design scienceSystems theory, Computer science
Governance Mechanisms1122.0Qualitative analysis, Comparative analysisInstitutional theory, Political science
Ethical Frameworks918.0Normative analysis, PhilosophyEthics, Moral philosophy
Economic Models714.0Mathematical modeling, Game theoryEconomics, Mechanism design
Policy/Institutional612.0Policy analysis, Comparative studiesPublic policy, International relations
Empirical Studies510.0Surveys, ExperimentsBehavioral science, Psychology
Table 3. Methodological approaches in the hybrid intelligence and blockchain literature.
Table 3. Methodological approaches in the hybrid intelligence and blockchain literature.
MethodologyFrequencyPercentageStrengthsLimitations Identified
Theoretical/Conceptual1938.0%Framework developmentLimited empirical validation
Case Study1122.0%Real-world insightsGeneralizability concerns
Literature Review918.0%Comprehensive synthesisStatic analysis
Policy Analysis612.0%Institutional insights, Comparative governanceImplementation gaps
Quantitative Analysis510.0%Measurable outcomesComplexity reduction
Table 4. Influential works at the intersection of the hybrid intelligence and blockchain literature.
Table 4. Influential works at the intersection of the hybrid intelligence and blockchain literature.
AuthorsYearResearch FocusTheoretical Contribution
Nakamoto, S. * [3]2008Blockchain foundationDecentralized consensus
Buterin, V. [26]2014Smart contractsProgrammable governance
Lumineau et al. [41]2021Blockchain governanceInstitutional analysis
Beck et al. [70]2018Governance frameworksSocio-technical systems
De Filippi & Wright [48]2018Legal implicationsRegulatory theory
* Note: Nakamoto, S. represents a pseudonym and is categorized as foundational technical documentation rather than traditional academic research.
Table 5. Identified research gaps and innovation opportunities.
Table 5. Identified research gaps and innovation opportunities.
Gap CategoryFrequency MentionedInnovation OpportunityResearch Priority
Hybrid Intelligence Integration33 studiesMulti-paradigm frameworksHigh
Ethical Decision-Making28 studiesEmbedded ethics systemsHigh
Cross-cultural Governance23 studiesGlobal governance models, Comparative frameworksHigh
Stakeholder Participation18 studiesInclusive governanceMedium
Disclaimer/Publisher’s Note: The statements, opinions and data contained in all publications are solely those of the individual author(s) and contributor(s) and not of MDPI and/or the editor(s). MDPI and/or the editor(s) disclaim responsibility for any injury to people or property resulting from any ideas, methods, instructions or products referred to in the content.

Share and Cite

MDPI and ACS Style

Alibašić, H. A Multi-Paradigm Ethical Framework for Hybrid Intelligence in Blockchain Technology and Cryptocurrency Systems Governance. FinTech 2025, 4, 34. https://doi.org/10.3390/fintech4030034

AMA Style

Alibašić H. A Multi-Paradigm Ethical Framework for Hybrid Intelligence in Blockchain Technology and Cryptocurrency Systems Governance. FinTech. 2025; 4(3):34. https://doi.org/10.3390/fintech4030034

Chicago/Turabian Style

Alibašić, Haris. 2025. "A Multi-Paradigm Ethical Framework for Hybrid Intelligence in Blockchain Technology and Cryptocurrency Systems Governance" FinTech 4, no. 3: 34. https://doi.org/10.3390/fintech4030034

APA Style

Alibašić, H. (2025). A Multi-Paradigm Ethical Framework for Hybrid Intelligence in Blockchain Technology and Cryptocurrency Systems Governance. FinTech, 4(3), 34. https://doi.org/10.3390/fintech4030034

Article Metrics

Back to TopTop