The two-volume set LNCS 14744 + 14745 constitutes the proceedings of the 28th International Conference on Financial Cryptography and Data Security, FC 2024, which took place in Willemstad, Curaçao, during March 4–8, 2024.The number of 36 full and 6 short papers included in the proceedings were carefully reviewed and selected from 199 submissions. They were organized in topical sections as follows: Part I: Consensus; AMMs; fees and rewards; hardware attacks; Part II: Feeling Optimistic; randomness and time; signatures; applied cryptography; PETS; designing for the real world.