Ant International has launched a full stack of AI-native solutions covering payment, account, foreign exchange (FX), treasury and growth operations for global businesses, in what the company describes as an industry first.
The latest product upgrade brings close to 100 key products across Ant International’s four business pillars, Alipay+, Antom, WorldFirst and Bettr. The solutions are designed to help businesses improve existing operations with AI while preparing for the wider adoption of agentic capabilities.
The AI-native financial stack is built on a two-layered security architecture and two proprietary foundation models: the Antom 3-in-1 Transformer for payments and FalconTST, a time-series transformer designed for FX and liquidity forecasting.
It is also supported by the Agentic Mobile Protocol (AMP) for payment interoperability and WhaleRTP, a blockchain-based wholesale settlement platform.
AI Adoption Already Expands Across Payments
Peng Yang, CEO of Ant International, introduced the new financial stack to more than 1,100 executives at the company’s annual VOYAGE merchant event in Shanghai.
“The future fintech leader delivers two things: a future-ready trust infrastructure and foundational FinAI models that combine complex types of deep data and rich domain expertise, and a full stack of connected AI-native solutions across payment, account, FX, treasury and growth operations that prepare them for today and the fully agentised future,” he said.
Ant International said 89.5 per cent of merchants using its main merchant payment service had already deployed its FinAI solutions over the past 12 months, while 81.4 per cent of payment tasks were completed with AI assistance.
The company said demand is increasingly extending beyond payments, as businesses seek connected fintech solutions to manage the complexity of global operations.
Through its four business pillars, Ant International provides cross-border digital payment, account, treasury management and credit technology solutions. Its network connects 150 million global merchants with more than two billion consumer accounts across 210 markets, with average daily transactions exceeding 25 million.
Antom 3-in-1 Transformer Powers AI Payments
At the centre of the payment technology stack is the Antom 3-in-1 Transformer, which Ant International describes as an industry-first payment foundation model capable of processing sequential, tabular and graph data within a unified architecture.
Built with more than 10 billion parameters, the model processes 90 trillion data points annually and combines fraud detection, scam prevention, abuse prevention and payment success optimisation.
Ant International said that among leading large language model clients using its newly launched subscription service, chargeback rates fell by as much as 87 per cent.
The company’s payment portfolio also includes Antom Autopilot, which brings merchant payment operations into a single conversational interface covering onboarding, integration, payment orchestration, risk protection, revenue recovery, troubleshooting, financial analysis, reconciliation and new market expansion.
Ant International said Antom Autopilot has reduced the time required to reach a merchant’s first transaction from days to minutes, while the number of merchants using AI for integration quadrupled over the past year.
Other AI-powered payment products include Antom Revenue Booster, Antom EasySafePay, Antom Shield, Antom AgentSafePay, Antom Connect and Antom Agentic Payments.
FalconTST Brings AI to FX and Liquidity Forecasting
Ant International has also introduced FalconTST, an AI model designed to forecast foreign exchange exposure and cash flows.
The model uses data spanning finance, retail, energy, travel and other economic sectors. With more than 8.5 billion parameters, the company said FalconTST has achieved more than 93 per cent accuracy in FX and cash-flow forecasting in its reported cases, while reducing corporate FX hedging and allocation costs by between 30 and 60 per cent.
FalconTST forms part of the company’s broader AI-native treasury offering, helping businesses monitor cash positions, forecast liquidity, manage FX risks and make global payout decisions.
Two-Layer Security for Agentic Finance
As businesses increasingly allow AI agents to perform financial tasks, Ant International is also placing greater emphasis on security and control.
Its two-layered security architecture includes a Know Your Agent (KYA) framework, supported by the Alipay+ Agentic Mobile Protocol, and AgentSafePay, which the company describes as an industry-first security product offering a fund-back guarantee against losses arising from agent-specific risks.
Launched in April 2026, AMP is an open payment protocol designed for digital wallets, super apps, smart devices and other mobile interfaces to enable payments initiated by AI agents.
Ant International said 10 Alipay+ wallet partners and seven acquirers currently support AMP in its first phase. The protocol is designed to reduce the steps required to connect payment agents with wallets by 50 per cent while giving users greater visibility and control over agent permissions.
The framework also supports agent-to-agent settlement for transactions as small as US$0.000001 and includes collaboration with Mastercard and Visa on interoperable KYA security standards.
Blockchain Platform Supports Global Treasury
Another component of the AI-native financial stack is WhaleRTP, a blockchain-based wholesale settlement platform designed to improve liquidity management and interoperability across blockchain assets from 23 financial institutions.
Ant International said WhaleRTP processed 45 per cent of its cross-border transaction volume in 2025, reducing working capital requirements by 60 per cent and increasing interest income by 23 per cent.
The platform also supports Whale Pooling, which uses real-time connectivity, AI forecasting and embedded governance to determine when, where and how much funds should be moved within a customer’s defined policies and controls.
AI-Native Accounts for Enterprises and SMEs
WorldFirst, Ant International’s global account brand, has also been upgraded with AI-native onboarding, payment, account management and treasury capabilities for enterprises and SMEs.
WorldFirst for Enterprise uses AI autopilots to support compliance and eKYC/KYB processes, payment management, fraud defence and chargeback control, as well as AI-powered FX and treasury management.
For SMEs, Wyn is a natural-language AI agent that can manage account workflows, including opening accounts and applying for World Card services supporting 17 currencies.
WorldFirst also offers A2A Supplier Connections, allowing businesses to connect with agents operated by other service providers for functions such as advertising, logistics, tax, marketing and compliance.
The company has also introduced smart liquidity management tools that use real-time data, trends and market signals to provide business analytics and liquidity advice.
AI-Powered FX and Treasury Management
WorldFirst for Enterprise Treasury Autopilot brings together tools for cash visibility, liquidity management and FX risk control.
Its World Map dashboard provides unified visibility of cash positions across markets, banks, currencies and accounts, with data refreshed every 30 minutes.
Falcon Forecast, powered by FalconTST, predicts cash flow, liquidity and FX positions from minutes ahead to several months. Falcon FX provides AI-powered solutions for FX risk management, including dynamic pricing and smart hedging recommendations.
Meanwhile, Whale Pooling supports instant funds operations and same-day settlement, with the company reporting a same-day settlement rate of more than 98 per cent.
World Payout uses intelligent decision-making to assess factors including cost, success rate, speed and risk to identify suitable payout routes.
Ant International has also introduced WorldFirst for Enterprise Account for Agent (AFA), which it describes as the world’s first agentic account for businesses. The account combines KYA-enabled smart contracts, full-chain security controls, dynamic monitoring and intervention, and feedback mechanisms for continuous agent tuning.
AI Tools Extend Into Business Growth
The new AI-native stack also extends into customer acquisition, market expansion, billing, taxation and credit.
Antom Billing and Antom Tax support functions including subscription management, metering, automated invoice generation, tax monitoring, filing support and reporting across multiple jurisdictions.
Antom Agentic Commerce Hub allows merchants to integrate and distribute product catalogues across third-party agentic platforms, while Antom Shopping Agent supports direct-to-consumer agentic shopping experiences.
A+Rewards has also been upgraded as an AI-powered growth engine connected to the Alipay+ network, linking merchants to more than 30 AI and e-commerce platforms for campaign distribution and customer acquisition. Ant International said recent e-commerce cases using cross-channel AI marketing recorded 41 per cent annual user growth.
For SMEs, Bettr AI Credit Engine provides AI-enhanced credit services, including dynamic risk assessment and automated lending decisions. The platform currently supports 49 institutions across 28 markets, providing access to more than 100 million users.
Bettr Global Credit offers flexible funding for SMEs, with credit decisions available in as little as one minute and real-time risk management powered by the Bettr AI Credit Engine.
Preparing Businesses for Agentic Finance
Ant International said its new products will be rolled out across global markets during autumn and winter 2026.
The company’s latest upgrade reflects a broader shift towards AI-native financial services, where AI agents are increasingly integrated into payments, treasury, account management, FX and business operations.
By bringing these functions together within a single financial technology stack, Ant International aims to help businesses improve the efficiency of existing operations while preparing for an increasingly agent-driven global financial ecosystem.
