Sophie Gilder

Managing Director, Blockchain & Digital Assets

Commonwealth Bank Australia

Sophie is responsible for the strategy, research, policy advocacy, experimentation and commercialisation of blockchain projects including digital currencies, asset tokenisation, crypto and other digital finance innovations. Previously Sophie established the Blockchain and AI Centres of Excellence at CBA, and was a founding member of x15ventures, managing a portfolio of fintech ventures. Her prior experience includes working in capital markets across Europe and Australia, and experience as a start-up founder.

Speaking at

12:00–1:30pmTue 23 JunGFTN InsightsRoundtable Room 2, Ground FloorOpen
Roadmap for AI and Quantum

Agentic Commerce: Who Governs the Machine that Pays?

GFTN InsightsRoundtable Room 2, Ground FloorOpen
About this session

AI agents are already initiating real financial transactions - booking, subscribing, settling, and disbursing without a human approving each step. The commerce and payments infrastructure built around human decision-makers was not designed for a counterparty that never sleeps, cannot be held to a contract in the traditional sense, and can be compromised at the model layer rather than the credential layer.

This session convenes payments architects, legal practitioners, and AI deployment leads to work through the practical questions the industry is looking to answer: how do you authenticate an agent, assign liability for an autonomous transaction gone wrong, and design governance frameworks for a technology that is already in production.

Participants will examine the specific mechanics of agentic payment flows - wallet delegation architectures, spending limit enforcement, multi-agent authorisation chains, and the emerging standards around agent identity that are still being written in real time by consortia that have not yet reached consensus.

The session will also surface the fraud and risk management implications: how transaction monitoring systems designed to flag anomalous human behaviour respond to the high-frequency, pattern-consistent activity of a well-functioning agent - and what entirely new risk frameworks may be required when the buyer is a model, the merchant is an API, and the dispute resolution process was designed for neither.
1:00–2:00pmWed 24 JunLaunchpadLaunchpad Room, Level 1Open
Others

The Future of Cross-Border Commerce in the Age of AI and Stablecoins - Are We Building Payments Infrastructure That Works for Merchants, Consumers, and Machines? - Powered by Amazon

LaunchpadLaunchpad Room, Level 1Open
About this session

Cross-border payments for merchants remain expensive, slow, and fragmented — and for SME sellers in emerging markets, often inaccessible entirely. This session tests whether tokenised money (stablecoins, tokenised deposits, CBDCs) is genuinely reducing cost, time, and friction for merchants in live corridors today, or whether the promise still outpaces reality. It then introduces agentic commerce — AI agents executing transactions autonomously on behalf of businesses — as the stress test that reveals whether the infrastructure, regulation, and trust frameworks being built are fit for what comes next. Participants will leave with a grounded picture of where tokenised money works for merchants today, where the gaps remain (particularly for SME sellers in emerging markets), and the specific policy and infrastructure conditions that would unlock the next stage of cross-border commerce.

Featured speakers

Hosted by

Sophie Gilder

Speaking at

Agentic Commerce: Who Governs the Machine that Pays?

The Future of Cross-Border Commerce in the Age of AI and Stablecoins - Are We Building Payments Infrastructure That Works for Merchants, Consumers, and Machines? - Powered by Amazon