Gongye Feng, founder of Monera Digital: AI should serve as a "trust accelerator" for private banking, rather than replacing traders
At the "Crypto 2026: From Cryptocurrency to Smart Economy" forum held in Hong Kong, Gongye Feng, co-founder and CEO of Monera Digital, delivered a keynote speech titled "AI Empowered Private Banking for the Smart Economy."
Feng pointed out that what disappeared after 2022 was not the demand for digital assets, but the market's confidence in the ways capital could enter. Monera Digital positions itself as an AI private bank for the smart economy, where the core is not using AI as traders, but as an accelerator that compresses the research, testing, and iteration cycles from months to days.
He emphasized that risk control must be institutionalized rather than personalized. Monera has built four lines of defense: constraints on exposure and collateral at the source, automated clearing and margin management, complete isolation of client assets, and eliminating maturity mismatches while maintaining liquidity buffers. In addition, AI plays the role of a 24/7 digital CRO, achieving a leap from passive monitoring to proactive warning.
In terms of service model, Monera does not operate as a pure technology platform, but insists on "anti-AI illusion," where AI is responsible for optimization and efficiency, while trust, responsibility, and continuity of relationships are still borne by humans. Feng believes that the prerequisite for crypto assets to truly become configurable assets is to translate complexity into clear, continuous, and trustworthy private banking services.
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