Sharding has emerged as a key technique to address blockchain scalability by partitioning the ledger into multiple shards that process transactions in parallel. Although this approach improves throughput, static or heuristic shard allocation often leads to workload skew, congestion, and excessive cross-shard communication diminishing the scalability benefits of sharding. To overcome these challenges, we propose the Predictive Shard Allocation Protocol (PSAP), a dynamic and intelligent allocation framework that proactively assigns accounts and transactions to shards based on workload forecasts. PSAP integrates a Temporal Workload Forecasting (TWF) model with a safety-constrained reinforcement learning (Safe-PPO) controller, jointly enabling multi-block-ahead prediction and adaptive shard reconfiguration. The protocol enforces deterministic inference across validators through a synchronized quantized runtime and a safety gate that limits stake concentration, migration gas, and utilization thresholds. By anticipating hotspot formation and executing bounded, atomic migrations, PSAP achieves stable load balance while preserving Byzantine safety. Experimental evaluation on heterogeneous datasets, including Ethereum, NEAR, and Hyperledger Fabric mapped via address-clustering heuristics, demonstrates up to 2x throughput improvement, 35\% lower latency, and 20\% reduced cross-shard overhead compared to existing dynamic sharding baselines. These results confirm that predictive, deterministic, and security-aware shard allocation is a promising direction for next-generation scalable blockchain systems.