For decades, financial innovation meant new products on old rails. That lens no longer explains where control is concentrating. Money 1.0 digitised value. Money 2.0 networked it. Money 3.0 makes it programmable — value that carries its own logic, constraints and compliance, settling toward atomic, with AI agents as first-class transactors. But is this a structural shift, or digitisation in new clothes? This opening session looks to separate architecture from hype and asks the question that matters: How far can programmable money along with tokenized financial products go?

How AI, customer intelligence, and new operating models are rewiring financial institutions to move beyond product-centric banking toward meaningful customer engagement and better financial outcomes.

Tokenization is moving from pilots to production. In 15 minutes, we’ll share what corporates, asset managers, FIs and fintechs need to adopt on chain money movement: where value is real, what risks show up in production, and the operating controls that unlock scale, grounded in real-world tokenized payments and tokenized fund examples.