Trust at Scale: The Architecture Behind Moving Money in a Fragmented Global Commerce Landscape

Cross‑border commerce is expanding faster than the infrastructure built to support it—creating a landscape defined by fragmentation, regulatory divergence, settlement delays, and widening trust gaps. For global platforms operating at scale, understanding how money truly moves across markets has never been more critical.

In this session, Winnie Chen, APAC Head of Global Payments Solutions at Bank of America, joins Aaron Xu, Partner at PingPong, to examine what it takes to operate payments at platform scale. They will break down how funds travel through banking networks, how settlement speed and FX management are shaped by market structure, and why trust—between platforms, banks, regulators, and ecosystem partners—has become the most valuable currency in global commerce. From technology architecture and real‑time risk visibility to the partnerships required to support merchants globally, they will explore the operational realities that determine who can truly scale across markets. Bank of America will share its perspective through the lens of infrastructure resilience, global network reach, and emerging risks, highlighting the trends shaping the next era of cross‑border payments.