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Kirit Bhatia
Chief Digital Assets Officer
Banking Circle
Kirit Bhatia is the Chief Digital Assets Officer at Banking Circle, where he leads the bank’s strategy to bridge traditional and digital asset finance through institutional-grade infrastructure for stablecoins, tokenised assets and chain native assets.
A seasoned executive with over 20 years in capital markets, payments innovation, and digital assets, Kirit previously served as Vice President of Business Development at Ripple Labs, driving global partnerships and regulatory engagement to advance blockchain adoption for financial rails.
His earlier career spans senior leadership roles at J.P. Morgan and RBS Natwest where he built and scaled capital markets and transaction banking businesses across US, Europe and Asia.
Kirit is an alumnus of the University of Manchester and Harvard Business School.
Speaking at SFF 2026
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4:20–4:50pmThu 19 NovFutureMatters StageHall 5, Singapore EXPOPremium
Technology Rewiring
Balance Sheet Strategy in Money 3.0
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Emma HaganChief Executive OfficerClearBank UK
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George DavisFounder & Chief Executive OfficerLorum
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Nischint SanghaviHead of Digital Currencies, APVisa
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Kirit BhatiaChief Digital Assets OfficerBanking Circle
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Olivia MarzukiPresenterCNA (Channel NewsAsia)Moderator
About this session
For CFOs and treasurers, programmable money is not a thesis, it's an allocation decision. Where does settlement risk really sit when value moves in real time, and who carries the exposure? How does tokenisation rewrite collateral management and intraday liquidity? What does the yield/risk trade-off look like across deposits and other forms of money, and what happens to deposit insurance and the lender of last resort when money is code? The question boards are starting to ask: whose balance sheet does each instrument sit on, yours, your bank's, or nobody's? And are balance sheet light banking models the safer answer? A working session for the people who answer with real money.
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