Ceridwen Choo

Chief Executive Officer

Cleanverse International Pte Ltd

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Ceridwen Choo is Co-founder & CEO of Cleanverse International, which has developed a compliance trust infrastructure that programs the core pillars of TradFi financial governance onto every value transfer conducted on public blockchains. 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, Railsbank 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, ready for the next era of progammable finance.

Speaking At

1:30–3:00pmTue 17 NovPublic-Private RoundtableRoundtable Room 2Open
The Scaling Challenge in Tokenized MarketsGlobal Frameworks and Shared Best Practices in Payments Chains

Programmable Compliance: Which Rules Travel with the Money, and How?

Public-Private RoundtableRoundtable Room 2Open
About this session

As money becomes programmable, across central bank digital currencies, tokenized deposits, and stablecoins, a real question is emerging about where compliance should live: embedded directly in the asset as a rule that travels with it, layered on top through richer messaging and real-time screening, or enforced separately by whichever party touches the transaction last.
Players are all building credible but different answers in parallel, and none has converged on how these should interoperate across jurisdictions with different compliance regimes. The stakes are rising on every front — real-time cross-border settlement, tokenized securities, and increasingly, autonomous agents initiating transactions on their own — all of which need a compliance check at the moment value moves, not after. What would each of these approaches to programmable compliance actually need to interoperate, and which rules win when they conflict across borders?
Discussion questions:
1\.         Should compliance logic live in the asset itself, in the messaging/settlement layer, or in a separate real-time screening service, and does the answer change depending on whether it's a CBDC, a tokenized deposit, or a stablecoin?
2\.         When a transaction crosses borders, whose compliance rule actually governs — sender's jurisdiction, receiver's, or the rail's — and what happens when they conflict?
3\.         Retrofitting compliance onto existing settlement infrastructure and building it in from scratch are both live strategies right now — what would each need to prove to become the default, and is convergence between them actually possible?
4\.         As more transactions — including those initiated by autonomous agents — require a compliance check the moment value moves, what are the minimum interoperability standards needed for rules to actually travel with money across rails?

Speakers

Ceridwen Choo

Speaking At

Programmable Compliance: Which Rules Travel with the Money, and How?