How to solve the problem of low efficiency of encryption methods in handling large-scale data and key generation processes? This study proposes using genetic algorithms to optimize the generation process of encryption keys to improve the performance and security of encrypted storage systems. This study adopts genetic algorithm as the optimization algorithm, and combines it with the specific requirements of intelligent financial data encryption storage system to design an adaptive function and genetic operation. Genetic algorithm automatically searches and optimizes the process of generating encryption keys through continuous iteration and evolution. By using genetic algorithms for encoding, selection, crossover, and mutation operations, encryption keys with high performance and security can be generated. Through experiments and performance evaluations, compared with traditional encryption methods, the intelligent financial data encryption storage system using genetic algorithms exhibits higher throughput, better encryption security, and higher key generation efficiency.