This paper introduces Crypto-ncRNA, a encryption framework leveraging the dynamic folding mechanisms of non-coding RNA (ncRNA) to address post-quantum cryptography challenges. Capitalizing on ncRNA's intrinsic physical unclonable functions (PUFs) and high conformational entropy, Crypto-ncRNA generates highly stochastic cryptographic keys and ciphertexts. The scheme implements a four-tiered architecture encompassing RNA sequence generation, structural folding, dynamic key derivation, and ciphertext packaging. Experimental results demonstrate Crypto-ncRNA's robust performance in efficiency, throughput, ciphertext randomness, and operational reliability, validated by NIST SP 800-22 randomness tests. Compared to classical algorithms, Crypto-ncRNA exhibits superior entropy and robust security. This study highlights the potential of bio-convergent cryptography for constructing next-generation secure infrastructures.