Abstract: Systems, computer program products, and methods are described herein for data synchronization and data onboarding protocol using digital twins in a distributed network. The present disclosure includes receiving onboarding data for a user, identifying onboarding tasks using a machine learning model, generating, using the first machine learning model, a task workflow of the onboarding tasks, receiving a stream of task completion data, logging completion of the onboarding tasks in the task workflow, receiving, in a second machine learning model, a stream of interaction data of the user, determining, using the second machine learning model, a presence or an absence of at least one malfeasance indicator by determining at least one malfeasance score based on the interaction data, and generating a digital twin of the user using the interaction data.