Agenda

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

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) 

 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.

How digital currencies (CBDCs, stablecoins, tokenized deposits) move from pilots into scalable, secure, enterprise-grade infrastructure.

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

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.

Tokenization is a relative new development for Corporate Treasuries and the potential value for the treasury function is often misinterpreted or misunderstood. This session discusses use cases for tokenization (including stablecoins) for Corporate Treasurers based on the concept of Treasury Technology Flywheel.

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.

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 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.

Hands-on mapping of regulated payments requirements into system architecture: identity, screening, monitoring, recordkeeping, and audit trails.

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

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.

Europe has proven that account to account payments can achieve mass adoption when built around trusted domestic ecosystems. Solutions such as iDEAL in the Netherlands demonstrate how bank-based payments can become the preferred way to pay online. The next step is scaling this success across Europe. This presentation explains how national schemes can transition into a pan European infrastructure while preserving the trust, reach and user experience that drove their adoption. It outlines the operational realities of migrating millions of users, merchants, and banks to a shared framework such as Wero, and why interoperability, governance and ecosystem alignment are critical to delivering a truly European payment alternative.

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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.