As TradFi moves on-chain, can ownership of regulated digital assets remain anonymous? Programmed Governance offers a new model where trusted identity, asset eligibility and policy rules are checked and validated before value moves. As money becomes programmable, this session explores the next frontier: rewiring policy for an era of programmable value.

Incentives are misaligned in global banking. Large banks run networks that cannot serve today's FI volume at a viable cost, so mid-market firms turn to challenger banks that fund lending with client float. Clearing, custody and liquidity are fiduciary and belong in a 100% reserve model. Attendees leave knowing where operational money should sit.

Banks have spent a decade buying products like Cash management, Trade Finance, Supply Chain Finance, Lending; and stitching them together afterwards. The cost isn't just efficiency; it caps growth: fragmented data, duplicated workflows, and change that moves at the pace of the slowest system. This session argues that banking's next competitive advantage is architectural, and shows what institutions building on one foundation do differently