When AI Has a Wallet, Global Funds Move at Second Speed: At the 2026 Singapore Fintech Festival, We Discuss Real Questions at AWS

Every November, the eyes of the global fintech world turn to Singapore.

During the Singapore Fintech Festival (SFF), the exhibition halls are bustling with crowds, and the buzzwords on display booths keep changing. But step away from the noisy exhibition floor and return to the real commercial ledger, and professionals in the payments and digital finance industry are confronting a more intense wave of change than in previous years:

• Efficiency re-architecture: On-chain settlement is breaking through the boundaries of traditional correspondent banking networks, reshaping the cost of cross-border fund flows in units of "seconds";
• Landscape reshuffling: Major platforms continue horizontal M&A and vertical integration, further squeezing the survival space of independent payment institutions and vertical service providers;
• Species evolution: AI Agents are beginning to take over price comparison, procurement, and even direct payment execution, but infrastructure and commercial rules are not yet fully ready.

As the gears of technology and the business environment accelerate, what will the payment system of the future actually look like?

On the afternoon of November 19, Cobo, together with Sunrate and AWS, will host a small-scale closed-door forum at the AWS Singapore office. We don't plan to preach grand concepts; instead, we want to put the sharpest questions on the table and dissect three heavyweight roundtables that will determine the industry's direction with you.

The Next Step for the Payments Industry: Security, Efficiency, and AI Commerce

Before entering the roundtable discussions, we will feature three exclusive keynote speeches from industry experts that strike at the substance of the business, deconstructing the underlying logic:

12:30 – 13:30 Check-in, lunch and networking

13:30 – 13:35 Opening remarks, Cobo

13:35 – 13:55 Keynote · Cobo

"When AI Agents Hold Wallets, Who Holds the Keys?"

Speaker: Lucas Yang (Head of Sales and Solutions, Cobo)

13:55 – 14:15 Keynote · Sunrate

"From Operator to Supervisor: How AI Agents and Stablecoins Are Rewiring the B2B Treasury"

Speaker: Walter Yang (Head of Digital Innovation, Sunrate, drawing on the Sunrate and FXC Intelligence white paper)

14:15 – 14:35 Keynote · AWS

"Agents That Transact: Where Do the Circuit Breakers Go?"

Speaker: AWS speaker (to be announced)

Three Interactive Roundtables Focused on Real-World Industry Challenges

Beyond the keynotes, the forum will feature three interactive roundtables discussing payment security, the competitive landscape, and the commercialization of AI payments. Audience members can ask questions in real time and participate in polls via Slido, exploring the practical challenges facing the payments industry together with the speakers.

14:35 – 15:05 Panel 1, Live Wire | When a Transaction Can't Be Recalled, How Do You Control Risk? (An Agent Goes Rogue Mid-Payment. Who Pulls the Plug?)

As payment systems move toward real-time and automated operations, how should enterprises respond to anomalous transactions, system vulnerabilities, and potential attacks? The roundtable will discuss typical payment risk scenarios and invite the audience to participate in decision-making through live polls, exploring the balance between fund security and transaction efficiency.

15:05 – 15:35 Panel 2, Crossed Wires | Where Does the Competitiveness of Independent Payment Companies Lie? (Cards or Stablecoins? Which Rails Will Agents Pay On?)

As major platforms continue to integrate payment capabilities, what competitive pressures and growth opportunities do independent payment service providers face? The discussion will focus on changes in the payment industry chain and how enterprises can build long-term competitive advantages through differentiated services, technical capabilities, and new payment infrastructure.

15:35 – 16:05 Panel 3, Load Test | Which Scenarios Are Actually Worth Investing In? (Which Agent Payment Use Cases Actually Pay Off?)

When AI Agents begin to autonomously procure, invoke services, and initiate payments, what authorization, security, and settlement mechanisms does the payment system need? The roundtable will start from actual business needs to explore potential application scenarios for AI payments, commercialization challenges, and how enterprises can assess the investment value of related technologies.

16:05 – 16:45 Networking

16:45 – 17:00 Lucky draw, must be present to win

17:00 Close

More Than Just Sharing Views — A Focus on On-Site Interaction

In addition to keynotes and roundtable discussions, the forum will provide ample opportunities for interaction and exchange among attendees.

• Open interactive discussion: Slido will support real-time Q&A and polling in both Chinese and English, allowing attendees to communicate directly with speakers on practical business questions.
• Cross-sector industry exchange: The event is aimed at cross-border payment service providers, banks and financial institutions, digital asset companies, and teams exploring AI commercial applications, offering professionals from different fields opportunities to share experience and explore collaboration.
• Half-day agenda with open networking: The event will begin at midday, with lunch, keynote sharing, interactive discussions, and networking sessions arranged to make it easy for attendees to engage deeply with industry peers during the Singapore Fintech Festival.
• Surprise lucky draw: A special lucky draw will be held on site, with several Fitbit Air and the new Fitbit Edge (supporting smart integration with the Gemini-powered Health Coach) up for grabs. Stay tuned!

Event Information and Registration Guide

• Time: November 19, 2026 (Thursday), 12:30 – 17:00 (Singapore Time, including lunch and networking)
• Venue: IOI Central Boulevard Towers, 2 Central Blvd, Singapore 018916, AWS Office Event Space (5th Floor)
• Transportation guide (from the SFF venue): If you are coming from Expo (Singapore Expo), you can take the Downtown Line directly to Downtown Station (about 35 minutes, no transfers needed). After exiting the station, IOI Central Boulevard Towers is within walking distance.
• Language: Bilingual communication in Chinese and English / Simultaneous interpretation provided
• Who should attend: Heads of payment service providers (PSPs), cross-border collection and payment institutions, banks and digital asset teams, directors of risk control and treasury management, and founders and decision-makers of AI and overseas business ventures.

Friendly reminder:

On-site seats are strictly limited, and registration is subject to organizer review. Once approved, please enter the building with your Luma confirmation ticket and valid ID. [Please click here to apply for a forum seat immediately]

About the Organizers

• Cobo: Founded in 2017 and headquartered in Singapore, Cobo builds trusted wallets and Web3 payment infrastructure for both humans and AI Agents for institutions and developers worldwide. It is SOC 2 Type II and ISO 27001 certified.
• Sunrate: Founded in 2016, Sunrate is a leading global enterprise payment and treasury management platform with a business footprint covering more than 190 countries and regions worldwide.
• AWS: Amazon's cloud computing platform, providing reliable infrastructure, data processing, and AI computing services to financial institutions and innovative enterprises worldwide.

Bring a pain point you truly care about. See you on November 19 at the AWS Singapore office.