Ceridwen Choo

Chief Executive Officer

Cleanverse International Pte Ltd

View the agenda

Ceridwen Choo is Co-founder & CEO of Cleanverse International, which has developed a compliance policy layer that programs the core pillars of TradFi financial governance onto every value transfer conducted on public blockchain. The interlocking of verified identity and verified assets enforces asset eligibility checks before value moves, and embeds travel rule compliance in real-time.

With over 20 years of experience in managing retail banking and payments businesses at notable organizations including DBS, HSBC and Mastercard, she has helmed strategic accountabilities on driving business profitability through revenue growth and product innovation. Previously CEO of DCS Innov (an intermediary of Diners Club Singapore), she launched Singapore’s first payment token issued by a non-bank financial institution licensed under the Banking Act. This led the 50-year old institution Into its next growth phase as a leader that connects TradFi to DeFi through product innovation.

At Cleanverse, she is shaping the future of trusted, transparent and compliant on-chain finance that will be led by AI agentic platforms, representing the next leap of payment evolution.

講演

4:15–4:55午後水 25 2月Experts DialogueMain Stage, Bellesalle B2Open
Blueprint for Digital Assets

AML/KYC in DeFi: Compliance Without Centralisation | DeFiにおけるAML/KYC──中央集権化を伴わないコンプライアンスを実現する

Experts DialogueMain Stage, Bellesalle B2Open
About this session

As decentralized finance (DeFi) matures, regulators, analytics firms, protocol ecosystems, and builders are under growing pressure to reconcile strict AML/KYC expectations with non‑custodial and permissionless designs. Japan’s regulatory stance, combined with global enforcement trends, is pushing the ecosystem to move beyond “anonymous by default” while preserving the core values of decentralization and user sovereignty. This session brings together policy, supervisory, analytics, protocol, and builder perspectives to examine how on‑chain analytics, verifiable credentials, and privacy‑enhancing technologies can enable compliant DeFi without reverting to traditional centralised intermediaries. The discussion will focus on what regulator‑ready solutions look like for non‑custodial protocols, how responsibility is shared across the DeFi stack, and how emerging approaches may shape design choices, governance models, and market access for DeFi platforms engaging with Japan and the broader Asia‑Pacific region.

分散型金融（DeFi）において、マネーロンダリング対策（AML）および本人確認（KYC）をどのように実現するかは、新たなアプローチが求められる重要な課題となっています。本セッションでは、分散型の原則を損なうことなく、いかに規制要件を満たしていくかを検討します。

議論では、検証可能な資格情報やオンチェーン分析、さらにプライバシー強化技術を取り上げ、自己管理型かつ自律的な金融プロトコルにおいて、日本のAML/KYCの要件に対応するための具体的なアプローチを探ります。
1:30–3:00午後木 26 2月GFTN InsightsRoundtable Room 1, Bellesalle 4FPremium
Next-Gen Transactions

Agentic Retail Payments - When AI Agents Execute Transactions Autonomously | エージェント型リテール決済──AIによる自律的取引を前提とする決済の未来

GFTN InsightsRoundtable Room 1, Bellesalle 4FPremium
About this session

As Japan moves deeper into a “do it for me” style of economy, retail payments are beginning to shift from transactions initiated directly by consumers to payments executed on their behalf. Digital services are increasingly being authorised to manage recurring bills, subscriptions, travel arrangements, and everyday purchases – selecting merchants, initiating payments, and operating directly on real-time payment infrastructure.
This roundtable examines the transition from direct consumer action to delegated execution, and the implications this shift has for policy, consumer protection, and payments infrastructure. Using a realistic Japanese retail use case as its foundation, the discussion explores what changes when transactions are carried out without an explicit, real-time action by the consumer, including emerging risk profiles, new avenues for misuse, and evolving regulatory considerations.
Participants will consider the core questions that payment providers, regulators, and market operators now need to address: who is recognised as the payer when execution is delegated; how authority, limits, and revocation should be structured and enforced; where liability sits when delegated arrangements are misused or result in consumer harm; and what forms of evidence are required to support disputes, refunds, and redress. Set against the backdrop of Japan’s instant payment infrastructure, the session aims to outline practical policy and market considerations for enabling delegated retail payments at scale, while maintaining trust, efficiency, and strong consumer protection.

日本で「おまかせ型」のサービスが広がるなか、リテール決済は、消費者が自ら実行する取引から、代理で実行される決済へと移り始めています。定期請求やサブスクリプション、旅行の手配、日々の買い物に至るまで、デジタルサービスが利用者から権限を受け、加盟店の選定や支払いの実行を担い、即時に処理される決済システムを通じて直接取引する事例が増えているのです。

本ラウンドテーブルでは、消費者による直接操作から代理実行への移行に焦点を当て、この変化が政策、消費者保護、決済インフラにどのような影響をもたらすのかを検討します。日本のリテール領域における具体的なユースケースを起点に、消費者の明示的かつリアルタイムな操作を伴わずに取引が実行される場合、何が変わるのかを議論します。新たに顕在化するリスク、不正利用の可能性、そして変化しつつある規制上の論点を整理します。

議論では、決済事業者、規制当局、そして決済インフラの運営機関が直面する核心的な問いにも踏み込みます。代理実行の場合、誰が「支払者」と認識されるのか。権限や限度額、取消しの仕組みはどのように設計し、執行すべきか。不正利用や消費者への被害が発生した際、責任はどこに帰属するのか。紛争解決や返金、救済措置には、どのような証拠が必要となるのか。

日本の即時決済インフラを背景に、本セッションでは、信頼性や効率性、強固な消費者保護を維持しながら、委任型リテール決済を大規模に展開するための政策と市場の制度設計の両面での実務的課題を整理します。

2026人の注目講演者

Ceridwen Choo

講演

AML/KYC in DeFi: Compliance Without Centralisation | DeFiにおけるAML/KYC──中央集権化を伴わないコンプライアンスを実現する

Agentic Retail Payments - When AI Agents Execute Transactions Autonomously | エージェント型リテール決済──AIによる自律的取引を前提とする決済の未来