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Khai Uy Pham
Advisor, Lead – Cross-Border Digital Currency & Payments Initiatives
Banque de France
Khai Uy Pham is Advisor and Lead for cross-border digital currency and payments initiatives at the Banque de France, where he brings DeFi-native protocols and programmable compliance to wholesale finance.
His areas of expertise include tokenised central bank and commercial bank money, collateral management, liquidity optimisation, programmable compliance and foreign exchange settlement.
With nearly three decades in capital markets, he has held leadership roles at BNP Paribas Securities Services, Société Générale CIB, Crédit Agricole CIB, Universal Investment and Accenture. He is the founder of Aiko Academy, a research and training laboratory dedicated to tokenised and decentralised finance, and an Adjunct Professor at HEC Paris, where he teaches blockchain, digital currencies and decentralised finance in the Master in International Finance.
Khai holds an Executive MBA in Financial Markets from ESSEC Business School and Mannheim Business School, and a research Master’s degree (Master 2) in Financial Markets from Université Paris Dauphine-PSL.
Speaking at SFF 2026
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3:55–4:30pmThu 19 NovFutureMatters StageHall 5, Singapore EXPOPremium
Policy Rewiring
Governance-by-Design: Can compliance move at the speed of code?
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Antonio Alvarez LorenzoDeputy Chief Compliance OfficerBinance
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Ari RedbordGlobal Head of PolicyTRM Labs
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Ceridwen ChooChief Executive OfficerCleanverse International Pte Ltd
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Khai Uy PhamAdvisor, Lead – Cross-Border Digital Currency & Payments InitiativesBanque de France
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Gary LiuCo-Founder & Chief Executive OfficerTerminal 3Moderator
About this session
The more money behaves like software, the more the decisive questions become legal and political rather than technical. Who is liable when a smart contract executes exactly as written and wrongly? How do sanctions and AML function when compliance is embedded in code rather than checked after the fact? What does systemic resilience mean when value moves at machine speed and a flawed rule can propagate across the system in a single run cycle? We will close the track with the question programmable money must answer to earn its licence: governance-by-design or not at all.
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