Agenda

Why now? 
All forms of digital payments depend on encryption. But today’s cryptographic defences won’t hold up against tomorrow’s quantum computers. Global security agencies, regulators, and payment leaders are already preparing for the transition to post-quantum cryptography (PQC) — and the scale is massive. 
Banks and payment providers will soon be required to rethink encryption across thousands of systems and interfaces, under tight timelines. Inaction could expose networks to fraud, compliance penalties, reputational damage — and operational shutdown. 
What’s in it for you 
This is not another whitepaper talk. It’s a working session for senior business and risk leaders to: 

• Understand what quantum risk means in real operational terms 
• Explore the fraud and compliance implications for your systems 
• Clarify what regulators and clients will expect from you — soon 
• Identify action steps you can take before this becomes a crisis 

Learn from real-world insights (not hypotheticals) 

This presentation provides a foundational analysis of the nature of modern money and its Shariah implications, serving as a basis for determining appropriate Shariah rulings on contemporary monetary instruments, including Central Bank Digital Currency (CBDC). It  presents three key insights: (1) Modern money fundamentally operates as credit-money; (2) Classical Shariah conceptions of money — rooted in commodity-based views of the nature of money — are limited in addressing the realities of today’s monetary system;  and (3) A renewed Shariah approach is essential to support the application of Islamic principles to emerging innovations such as stablecoins and CBDC

Central Bank Digital Currencies (CBDC) are moving into real-world use. Central banks are advancing CBDCs to modernize payments and improve financial inclusion - but the shift from exploration to production introduces new challenges. Systems must be secure, scalable, and ready for both domestic and cross-border transactions, while navigating confidentiality, governance, and integration with existing financial infrastructure.

Drawing on practical experience from global projects, Oracle brings insights across both retail and wholesale CBDC models. This session shares real architectures, key lessons, and proven approaches to help decision makers and technical leaders build resilient, future-ready CBDC systems.

Offline payments are increasingly recognised as a critical requirement for resilient payment systems, but most alternative approaches introduce unacceptable trade-offs, such as unmanaged credit risks, loss of control of digital money, or systemic device risks.

This academy session provides a architectural and institutional analysis of governed offline payments. A model that enables payments independent of system availability while preserving the core principles of regulated financial systems.

The session will explore how a reservation-based, Layer-2 architecture allows funds to remain within the banking system while enabling offline execution through locally authorised transactions and deferred, deterministic settlement.

Participants will gain insight into:

• How to eliminate settlement credit risk in offline payments
• How to maintain central governance while enabling local execution
• The separation of authentication, clearing, and settlement as a foundation for resilience
• The institutional implications for central banks, payment systems, and commercial banks

The session concludes with a discussion on how governed offline payments can be integrated into CBDC, instant payment systems, and tokenized deposit frameworks — positioning offline capability as a core component of future payment infrastructure.

 In this presentation, Kjetil Watne will introduce the CBDC exploration project at Norges Bank, focusing on a recent decision concerning whether the central bank should issue a CBDC, as well as insights from advanced technical and functional testing conducted in a blockchain-based technological sandbox.

After years of pilots, sandboxes, and proofs of concept, digital currencies are entering a more mature phase. This panel discusses what it means to move from experimentation to real-world infrastructure—covering adoption hurdles, regulatory clarity, interoperability, and trust. Speakers debate which models are scaling, which are stalling, and what “success” actually looks like.

The global conversation around digital money has been dominated by a false choice: public versus private, sovereign versus market-driven, CBDCs versus stablecoins. In reality, the future monetary system will not be defined by competition between these instruments, but by how effectively they are designed to coexist within a layered financial architecture.Central Bank Digital Currencies, tokenised deposits, and stablecoins each solve fundamentally different problems. CBDCs anchor sovereign trust and settlement finality. Tokenised deposits extend the commercial banking system into programmable financial markets. Stablecoins enable global, always-on digital commerce and liquidity mobility. The strategic challenge for policymakers is not choosing one over the other - it is designing an ecosystem where each operates within clearly defined roles, risk boundaries, and interoperability standards.Drawing on global pilots, cross-border corridor experiments, and emerging regulatory models, this keynote will explore how coexistence can preserve monetary sovereignty, sustain bank intermediation, unlock programmable finance innovation, and reduce systemic fragmentation.Because the next phase of financial evolution will not be won by the strongest instrument - it will be defined by the strongest architecture.

Money is no longer singular - it is evolving into a mix of fiat, tokenized deposits, stablecoins, and CBDCs. As this fragmentation accelerates, banks face a defining challenge: remain central to the flow of digital value while safeguarding their deposit-and-credit business in the face of rising non-bank stablecoin networks.

This session offers a pragmatic path forward - moving beyond pilots toward scalable, production-ready systems. It explores how banks can act early by launching industrialized solutions for digital cash, collaborating in consortium-driven ecosystems, and simplifying fragmented technology stacks into a unified digital asset infrastructure.

Attendees will gain insights into requirements for tokenized deposits and stablecoins and deploying hybrid architectures that seamlessly integrate permissioned and public networks - enabling banks to operate confidently in an increasingly interconnected digital money ecosystem.

This presentation reframes offline payments as a critical architectural choice rather than a backup feature, emphasizing how design decisions shape liquidity, risk, and governance when systems are disrupted. It introduces the BIG framework—Bankable, Implementable, and Governed—as a way to assess whether offline payment solutions can scale while preserving financial stability and institutional integrity. At its core, digital payments comes not from altering the system under stress, but from preserving it. This speech highlights governed offline architecture as the most effective path forward, enabling continuous payments while maintaining central authority, controlled risk, and alignment with regulatory frameworks

This presentation explores how Capital A and Standard Chartered are evaluating the role of a Malaysian ringgit stablecoin within a multi-entity business spanning travel, rewards, payments, and cross-border activity. The project focuses on where stablecoins can create practical value through payment efficiency, programmable commercial flows, and a more interoperable financial future. The session will highlight how different forms of digital money issued across jurisdictions can coexist within clear regulatory boundaries and serve economic functions. It will also address the governance, compliance, and institutional partnerships needed for credible implementation and alignment with tokenized financial infrastructure

As financial institutions increasingly explore the use of public blockchains, they encounter a set of challenges that are difficult to resolve on their own. Front-running, transaction censorship, unsolicited tokens, and gas fees paid to sanctioned entities are among the most pressing concerns, and their root causes often lie in the foundational layers of public blockchain networks. Where financial institutions act merely as users and not operators of the underlying networks and platforms, solving these issues is often outside their direct control. This presentation will discuss solutions at different layers and how cross-ecosystem collaboration between financial institutions, blockchain protocol developers, and regulators can help develop effective and lasting solutions.

Over the past decade, blockchain-based ecosystems have sparked transformative innovation across money, payments, and financial markets. Driven by rising consumer demand for instant digital services, central banks, financial institutions, market infrastructures, payment providers, and fintechs are reimagining how the financial system should operate. While bold visions of unified platforms and “big bang” transformations are compelling, true progress depends on interoperability with today’s global financial infrastructure. This session explores how we can bridge traditional and digital ecosystems, unlocking efficiency gains while safely navigating the new digital borders shaping the future of finance.

The very definition of money is increasingly more fragmented and complicated. From a simple baseline of cash and fiat accounts, today there is a proliferation of form factors - wallets, stablecoins, tokenised deposits, CBDCs et al. There are transformation programmes and fintech ecosystems building next-gen domestic and cross-border payment systems and promoting use of the latest, emerging technologies. Fraudsters continue to get more sophisticated, often capitalising such transformation. All this while gaps remain in regulatory clarity, guidance and legislation. 

This session examines what this flux may imply for the transacting end-users -  individuals and businesses for upstream use cases like remittances and trade finance - and what are some important forward-looking considerations for the industry to consider.

This presentation explores digital assets through the lens of Islamic finance, examining how emerging instruments such as stablecoins, central bank digital currencies (CBDCs), tokenised deposits, tokenised sukuk, and real-world assets can align with Islamic finance principles. It also discusses key Shariah and policy considerations as well as innovation opportunities.

As CBDCs, stablecoins, and tokenized deposits gain traction, interoperability is essential to prevent fragmentation and unlock their full potential. This panel will examine how technical standards, governance models, and regulatory coordination can enable seamless transactions across platforms and borders. Speakers will explore cross-border payments, public–private collaboration, and the infrastructure needed to connect emerging digital money systems. The discussion will highlight practical pathways to ensure new forms of digital money work together securely, efficiently, and at scale.

Digital currencies are reshaping the financial landscape and redefining how treasury functions operate. From CBDCs and stablecoins to tokenized assets and blockchain-based payments, these innovations present both transformative opportunities and complex risks. This panel will examine:

• How digital currencies impact liquidity management, cross-border transactions, risk mitigation, regulatory compliance, and cash visibility.
• Whether stablecoins, tokenized deposits, or CBDC can improve B2B payments?
• How this will impact cash & treasury management for corporates?
• What will be the position for banks and services providers in this “DLT-era” where ‘composability’ will be reality on programmable platforms?

Industry experts will discuss key implementation challenges, governance considerations, and strategic approaches treasurers can adopt to navigate this evolving ecosystem with confidence.

As digital currencies reshape global finance, regulation sits at the center of both opportunity and tension. This panel explores how smart regulatory frameworks can enable trust, scale, and innovation—while poorly designed rules risk slowing technological progress and excluding emerging players.

More than 50 years ago, the internet solved resilience for communication by decentralizing it. Messages route around failure. Networks degrade gracefully.

Payments never made that leap. Instead, they remain built on centralized, real-time, always-on architectures, dependent on continuous availability of authentication, clearing, and settlement. In that sense, payments today are as fragile as communications were before the internet changed the model.

This session takes a broader perspective, using offline payments as a starting point to explore a more fundamental shift:

How do we design digital systems that remain functional and trustworthy, even when the system itself is unavailable?

By applying the principles that made the internet resilient, a new class of governed architectures is emerging—where execution can happen at the edge, while control, compliance, and trust remain centrally governed.

“The internet delivered survivability in the face of failure for communications. Crunchfish applies the same principles to applications, starting with payments.”

The session will explore how this model extends beyond payments to any digital system requiring trust, security, and continuity, and what this means for the future of:

• Payments and digital money
• CBDCs and payments infrastructure
• Critical digital infrastructure more broadly

Hands-on mapping of regulated payments requirements (KYC/AML, Sanctions, Travel Rule-like Data Needs) into system architecture: identity, screening, monitoring, recordkeeping, and audit trails.

With the evolution of digital assets, Certificates of Deposits (CDs) are being reimagined as digital instruments within an increasingly interconnected financial ecosystem. As institutions adopt digital currencies, enabling the end-to-end lifecycle of digital CDs across multiple platforms enables efficiencies and new monetizable offerings enabling secondary trading.

This session explores how issuance, purchase, redemption, and settlement can be executed across heterogeneous ledgers, where value must move seamlessly between systems. It highlights key challenges including interoperability, coordination, governance, and atomic settlement across systems.

Through practical insights and architectural patterns, the session demonstrates how integration layers, workflow orchestration, and policy-driven controls can enable secure, compliant, and synchronized transactions. Attendees will gain a clear understanding of how to design scalable, production-ready solutions for digital CDs in an interoperable, multi-ledger world.

This session will discuss the inbound threat of Quantum and AI to the financial system and its inevitable impact to digital money and trust with a circle back to potential solutions

Blockchain is presented as — for the first time — enabling instant, free, transparent, programmable, immutable and decentralised systems. CBDCs such as the Digital Euro are promoted as delivering sovereignty, resilience, inclusion, privacy, efficiency and innovation. Stablecoins are sold as a direct, cheap, transparent, instant way of sending money across the globe without banks. Are these claims actually true? Which survive scrutiny, which collapse on closer inspection, and what are the genuine advantages of blockchain and tokenised money once the hype is stripped away? Join this session by an industry practitioner for an evidence-based, myth-busting perspective.

The tokenized economy represents a shift from traditional, account-based finance to blockchain-enabled, programmable value exchange. By 2035, money, assets, and contracts will exist as digital tokens, enabling real-time settlement, fractional ownership, and global, 24/7 markets. This transformation will reduce intermediaries, lower costs, and merge traditional finance with decentralized systems.  Case Study - In India, strong digital public infrastructure like UPI, Aadhaar, and ONDC, along with Reserve Bank of India initiatives such as CBDC pilots, position the country to lead in inclusive tokenization—unlocking new opportunities in MSME financing, digital assets, and next-generation financial innovation.

This session explores how agentic AI—autonomous systems capable of initiating and executing transactions—reshapes control over financial exchanges in a world of tokenised money. It questions whether authority will remain with individuals, institutions, or shift toward intelligent agents operating on programmable financial rails. Ultimately, it examines the implications for trust, governance, and ownership in an increasingly automated economic landscape

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This speech focuses on how rapid technological development is accelerating digital currency adoption. It highlights how more powerful computing hardware, faster transaction processing, advanced networks, and scalable infrastructure have made digital currencies more efficient, reliable, and accessible. The synopsis also touches on how improvements in system performance, security, and integration reduce friction for users and institutions alike, positioning technological progress as the key driver behind the mainstream adoption of digital currency.

This speech examines the core considerations for a national blockchain and digital assets strategy, focusing on balancing innovation with regulation. It highlights the need for clear policy, risk management, and collaboration to support economic growth, security, and global competitiveness.

This presentation examines Cambodia's dollarization through an infrastructural lens, analyzing how payment systems and monetary architecture shape currency dynamics. Drawing from PhD fieldwork, this study reveals the paradox of dollarization: while limiting monetary sovereignty (monetary policy constrained), payment infrastructure simultaneously enabled Cambodia to mobilize financial resources for national reconstruction following three decades of conflict and instability.

Disclaimer : The views expressed in this presentation are those of the author

As digital currencies move from pilots to core infrastructure, financial integrity remains a central challenge. This session examines the money‑laundering risks of the digital economy, focusing on chain‑hopping techniques that obscure audit trails. Using the A7A5 stablecoin as a case study, it shows how private shadow‑payment networks can bypass global oversight. The presentation provides a comparative analysis for policy makers, explaining why central bank digital currencies, through compliance‑by‑design and sovereign settlement finality, offer a more reliable foundation for market integrity and legal certainty than private stablecoin models.

This speech outlines how digital currencies are reshaping global finance. The speech examines advances in blockchain scalability, interoperability, and security, while addressing regulatory frameworks and the balance between innovation and consumer protection. It highlights emerging use cases—from cross-border payments to programmable money—and concludes with a forward-looking view on how digital currencies could foster financial inclusion and redefine trust in the digital economy.

This panel explores how fraud is evolving in digital currency and modern payment systems, and how detection methods must adapt in response. It will highlight emerging threat vectors, real-time monitoring techniques, and the role of data, analytics, and collaboration in protecting users while preserving speed and innovation in digital payments.

This panel will examine how Stablecoins, Tokenized Deposits, and CBDC will change the payments landscape. Composability is a defining characteristic of tokenized money. In blockchain-based and tokenized financial systems, composability refers to the ability of a financial asset, once represented as a digital token on a programmable platform, to be seamlessly combined, integrated, or interoperated with other tokens, applications, and smart contracts. This modular design enables financial components to be assembled and reassembled in numerous configurations, creating flexible, scalable, and innovative financial products—much like building blocks for finance. So Lego for finance that can be assembled in multiple combinations.

• How will this change the treasury / financial operations?
• What new systems, administration and control should be in place to manage?
• What about the supervisions and regulatory regulations?

Tokenisation is rapidly emerging as one of the transformative developments in modern finance. By digitising securities, tokenisation unlocks new possibilities – broader investor access, greater efficiency, and improved liquidity – especially when paired with tokenized payment for seamless settlement.

Malaysia is moving in step with global momentum, with market participants started tokenizing bonds, funds and exploring next-gen tokenized payment. This panel dives into real-world use cases, early wins, lessons learned, and what’s next as tokenized assets intersect with tokenized payments.

A forward-looking conversation on the future of Malaysia’s digital capital market.

This panel explores the next phase of digital money, examining how CBDCs may move from pilots to scalable public infrastructure, how stablecoins could mature through regulation and institutional adoption, and how tokenized deposits may modernize bank money on-chain. Panelists will discuss where these models may compete, converge, or complement one another across payments, settlement, and capital markets. Attendees will gain a forward-looking view of what the digital currency landscape could look like over the next decade and what it means for financial institutions, policymakers, and market participants.