Caroline D. Pham, Chief Legal and Compliance Officer at Moonpay, highlighted the importance of human accountability in technology compliance during her appearance at CoinDesk Live at Consensus 2026. Pham, who previously served as Acting Chair of the CFTC, stated that while technology serves as a tool, it is ultimately humans who are responsible for compliance. Her remarks underscore the ongoing debate about the role of technology in regulatory frameworks, emphasizing that despite advancements, human oversight remains crucial. Pham's insights were shared during a session presented by Moonpay, focusing on the intersection of technology and regulatory compliance.