Destiny Chao is a brothel owner mentioned on the computer of Herbert Dashwood in the Tenpenny Tower Suites. She was the proprietor of the Blue Destiny Brothel which was closed down in 2249 due to an outbreak of Cholera (in which Destiny Chao and most of her "ladies" perished). In his computer entry, Dashwood says:
My dearest Destiny.
Harlot par excellence and the proprietor of the Blue Destiny Brothel. One of the loveliest women I've ever had the pleasure to pleasure.
Sadly, she died from cholera in the summer of '49 (an event that closed down the brothel forever).
Destiny Chao is mentioned in Fallout 3 but does not actually appear in the game.