When AI no longer merely provides suggestions but begins to initiate payments, access funds, and execute transactions on behalf of users, a more practical question follows:AI can complete transactions for people, but who confirms that it has obtained lawful authorization? If a transaction goes wrong, who should bear liability?
On October 15, 2026, theMobile Payment Network and Going Global Noteswill host theFourth Cross-Border Digital Finance Industry Compliance and Symbiosis Conferenceat the Hilton Shenzhen Futian, Greater China.
This year's conference takes"The New Normal of Digital Intelligence, Jointly Pursuing New Business Forms"as its theme and is expected to bring together approximately 300 industry practitioners from banks, card organizations, payment institutions, fintech companies, Web3 companies, and professional service institutions to discuss the development trends of artificial intelligence, cross-border payments, digital currencies, and financial compliance.
01 | As AI begins to participate in transactions, what new questions must cross-border finance answer?
AI is moving beyond an auxiliary analysis tool toward an AI Agent capable of autonomously executing tasks.
In cross-border financial scenarios, these changes have already extended to customer identity verification, transaction risk management, payment processes, and fund management.
AI technology not only brings efficiency gains but also makes issues such as identity, authorization, data, and liability more prominent.
Based on the agenda announced for this year's conference, the following three areas merit particular attention.
First, agentic payments: whose authorization does the AI have?
Institutions including Mastercard, Ant International, dtcpay, GLEIF, and MetaComp will discuss topics from agentic payments, transaction security, and digital identity to task-level permission management and institution-level AI Finance.
When AI Agents can complete payments or fund operations according to user instructions, financial institutions need to address not only identity verification but also the scope of authorization, transaction intent, operation records, and control of anomalous transactions.
Second, identity and risk management: moving from KYC toward more continuous and more granular trust management.
KYA has become a keyword worthy of attention at this year's conference.
In the morning, ADVANCE.AI will lead a discussion on Know Your Activity, focusing on customer behavior identification and a full-chain identity trust system.
In the afternoon, Sumsub will extend the perspective to identity verification and risk management in the era of AI Agents, focusing on how agents acting on behalf of users are identified, verified, and managed.
Although the two areas focus on different subjects, they both point to one question:
As financial transactions increasingly rely on automated systems, how can it be ensured that transaction parties are trustworthy, conduct is identifiable, and risks are traceable?
Third, cross-border payments and digital currencies: how can technological innovation adapt to the regulatory requirements of different markets?
Cobo will discuss the impact of AI and digital currencies on the next generation of payments; PalmPay will share compliance practices in Africa's diverse regulatory markets; and LexisNexis Risk Solutions will exchange views on the Travel Rule, payment transparency and risk management.
From traditional payment networks to digital asset payments, and from identity verification to transaction monitoring, licensing access, anti-money laundering, data governance and transaction compliance requirements in different markets remain important prerequisites for companies to implement their businesses.
02 | Three legal issues that Mankun focuses on
As a law firm that has long focused on legal services relating to artificial intelligence, the digital economy and corporate globalization, Mankun also hopes, through its participation in this conference, to continue observing three issues in the context of industry practice.
01 Authorization and liability boundaries of AI agents
When users allow AI agents to execute transactions on their behalf, how can authorization be effectively recorded and verified? If an agent operates beyond the scope of its authorization, or losses are caused by system anomalies, how should liability be allocated among users, technology service providers, payment institutions and other participants?
This concerns not only technical security, but also contractual arrangements, internal controls, risk allocation and dispute resolution mechanisms.
02 Intelligent risk management and data compliance
AI-driven identity recognition and behavioral analysis can improve the efficiency of anti-fraud and transaction monitoring, but broader data processing also means new compliance challenges.
Companies need to determine, in light of their specific businesses and applicable laws, the legal basis for processing behavioral data, the scope of collection, retention periods, conditions for cross-border data transfer, and the transparency and personal rights protection requirements relating to automated decision-making.
03 Business access and compliance pathways for cross-border payments
The combination of AI, digital currencies and traditional payment services may involve different business segments such as payment services, virtual asset services, cross-border fund flows and technical services.
Whether an enterprise can carry out the relevant business, whether it needs to obtain a local licence, what anti-money laundering obligations it bears, and how responsibilities are allocated among different entities all require judgment based on the actual business model and the regulatory rules of the target market.
For technology enterprises, whether innovation can truly be implemented depends not only on what the technology can do, but also on whether the business has a clear and executable compliance path.
03 | See you in Shenzhen on 15 October
The meeting agenda and registration details are subject to the information officially published by the organiser.https://www.mpaypass.com.cn/activity/cbdf2026/
On 15 October, Mankun lawyers will meet industry partners in Shenzhen to exchange views on new trends in AI payments, cross-border finance and global compliance.
