In its largest-ever product upgrade to date, Ant International has unveiled an industry-first, AI-native, end-to-end full financial stack covering payment, account, FX, treasury and growth operations for global businesses. The release spans close to 100 key products across the company's four business pillars and introduces agent-native solutions, including what the company describes as the world's first Account for Agent (AFA) for businesses.

The suite is built on two newly upgraded proprietary foundation models — the Antom 3-in-1 Transformer, a payment foundation model, and FalconTST, an AI model for FX and liquidity forecasting — and is underpinned by an agent-ready, two-layered trust and security framework. According to the company, a governance-by-design approach keeps the stack aligned with evolving compliance and regulatory environments. Autopilots for payment, account and treasury management are embedded across the end-to-end stack to manage the five main workstreams through natural-language interaction.

Adoption figures cited by the company show that 89.5% of clients of its main merchant payment service deployed its FinAI solutions in the past 12 months, and 81.4% of payment tasks were completed with AI assistance.

"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 and the fully agentised future," said Peng Yang, CEO of Ant International, addressing more than 1,100 executives at the company's annual VOYAGE merchant event in Shanghai.

The company said the sweeping upgrade is designed to help businesses execute an AI action plan built on two critical tasks: excelling in existing tasks with greater efficiency through comprehensive AI tools, and deploying end-to-end agentic capabilities to maximize future growth.

Under Antom, Ant International's merchant payment service, 89.5% of merchants have already deployed AI agents, and 81.4% of payment tasks were aided by AI. The company noted that clients are increasingly demanding connected fintech solutions beyond payments to manage the growing complexity of their global operations.

The rollout's stated milestones provide a practical view of how Ant International is positioning the stack for adoption: AMP is currently in Phase 1 with 10 Alipay+ wallet partners and seven acquirers, while Antom expects 95% of merchants to onboard new payment methods within one hour by the end of 2026. The company also says additional platform connectivity for its Shopping Agent is coming soon, making partner integration, security controls and supervised workflows key areas to watch as the product suite expands.

Ant International provides cross-border digital payment, account, treasury management and credit technology solutions to global merchants across four business pillars: Alipay+, Antom, WorldFirst and Bettr. Building on a mobile payment network of 53 digital wallets and 10 national QR schemes, the company links 150 million global merchants to more than 2 billion consumer accounts. Its clients include top-tier global e-commerce companies, digital and entertainment (D&E) firms, online travel agency (OTA) platforms and industry leaders, as well as fast-growing SMEs in emerging markets. Daily average transactions exceed 25 million across 210 markets.

Technology Foundations

Payment Foundation Model: The Antom 3-in-1 Transformer

The Antom 3-in-1 Transformer is described as the industry's only payment foundation model that simultaneously processes three types of core data: sequential (behavior over time), tabular (structured records) and graph (relationships between users, entities and devices). Built on more than 10 billion parameters, the model processes 90T of data annually.

Its cross-modality attention mechanism combines fraud detection, scam prevention, abuse prevention and payment success rate optimization within a single unified architecture. Among leading LLM clients using the company's newly launched subscription service, the chargeback rate dropped by as much as 87%.

FX and Liquidity Forecast Model: FalconTST

FalconTST is a first-of-its-kind, advanced large-scale model built on data spanning finance, retail, energy, travel and other economic sectors. It delivers more accurate and dynamic forecasting of FX exposures and cash flows to optimize liquidity management and risk control.

Backed by more than 8.5 billion parameters, the model has proven capable of achieving over 93% accuracy in FX and cash flow forecasting, cutting corporate FX hedging and allocation costs by 30% to 60% in real-world cases, according to Ant International.

Two-Layered Security Architecture

On top of the Antom 3-in-1 Transformer, the company has built an additional security layer — a "second Shield" — consisting of:

• A dynamic know-your-agent (KYA) framework built with the Alipay+ Agentic Mobile Protocol (AMP), connecting mobile wallet networks to agentic transactions; and
• AgentSafePay, described as the industry's only security product offering a fund-back guarantee against losses from agent-specific risks.

Alipay+ Agentic Mobile Protocol (AMP)

The Alipay+ Agentic Mobile Protocol is an open payment protocol built for digital wallets, super apps, smart devices and other mobile interfaces to enable payments by AI agents. Since its launch in April 2026, 10 Alipay+ wallet partners and 7 acquirers support AMP in Phase 1.

In addition to AgentSafePay and the KYA architecture as its pillars, key features of AMP include:

• End-to-end agentic transactions across devices: no need to switch apps or change payment habits across mobile AI interfaces such as smartphones and AR glasses.
• Faster agent integration: cuts the steps required to link a payment agent to a wallet by 50%.
• Clear permission boundaries: users authorize the task rather than hand over the account, with real-time visibility and control of agents.
• High-frequency nano-grade agent-to-agent (A2A) settlement: enables automated, ultra-small transactions as tiny as $0.000001 between AI agents.
• KYA interoperability framework: a collaborative framework with Mastercard and Visa to build interoperable agent-security standards.

Blockchain-Based Wholesale Settlement Platform: WhaleRTP

WhaleRTP is a next-generation treasury management solution that optimizes liquidity management while enabling seamless interoperability across blockchain assets from 23 leading financial institutions. 2025, WhaleRTP processed 45% of Ant International's cross-border volume, reducing working capital requirements by 60% and boosting interest income by 23%.

Full-Stack, AI-Native Solutions Across Payment, Account, FX, Treasury and Growth

AI-Native Global Payment

Built on the payment foundation model, Antom Autopilot handles the entire merchant payment lifecycle in a single conversational window — from onboarding, integration, orchestration, risk protection and revenue recovery to troubleshooting, financial analysis and reconciliation, and new market expansion. In real cases, Antom Autopilot cut lead time to first transaction from days to minutes. The number of merchants using AI integration quadrupled in the last 12 months, and by the end of 2026, 95% of merchants are expected to onboard new payment methods within one hour.

Antom SmartDispute, which advises on full dispute management and appeal strategies, drives the average dispute success rate from 24.5% to 41.8%. The fully automated Antom AutoDispute is also available.

Other key AI payment products include:

• Antom Revenue Booster: a payment optimization tool for card payments that enables smart routing, retries failed payments at the right time or through a better path, and sorts payment options to drive checkout conversion.
• Antom EasySafePay: a payment optimization tool for mobile wallets that lets customers complete the entire payment journey on the merchant checkout page, reducing the need for redirection to a wallet app.
• Antom Shield: applies Ant International's Double-Shields security framework for (1) protection against existing fraud, scam and abuse risks amplified by AI, and (2) defense against agentic-specific risks through the KYA framework and Antom AgentSafePay.
• Antom AgentSafePay: an industry first that provides a 100% fund guarantee against losses arising from intent misinterpretation, malicious prompt injection or other agent-specific risks.
• Antom Connect: a one-click payment solution upgraded to be agent-native, tokenizing user information for faster checkout across different merchants and agents.
• Antom Agentic Payments: an agent-native payment solution supporting mainstream protocols and global payment methods. It addresses three challenges of integrating payments into agentic environments: (1) integration techniques that differ from traditional SDKs, (2) changing business rules and protocols, and (3) existing payment methods that are not compatible with agents.

AI-Native Global Account

In partnership with Antom and Bettr, WorldFirst — Ant International's flagship global account brand — provides AI-native onboarding, payment, account management and treasury services for both enterprises and SMEs.

Within WorldFirst for Enterprise, merchants and e-platforms use autopilots to complete compliance and eKYC/KYB processes in supervised agentic workflows for smooth onboarding; conduct payment management, fraud defense and chargeback control; and apply AI FX and treasury tools to lower FX costs and drive more efficient liquidity and settlement.

Wyn, a natural-language AI agent, manages the account workflow for SMEs. Merchants can open accounts and apply for a virtual or physical World Card supporting 17 currencies with a single command. Additional value-adding features include:

• A2A Supplier Connections: secure, ready-made connections to agents of other service providers for advertising, logistics, tax, marketing and compliance operations, such as balance checks and top-ups, all via a single interface.
• Smart Liquidity Management: AI-powered dynamic business analytics and liquidity advisory on risks, opportunities and action items, based on a tailored dashboard of real-time data, trends and market signals.

AI-Native Global FX & Treasury

The AI FX and treasury suite, embodied in the WorldFirst for Enterprise Treasury Autopilot, helps enterprises tackle fragmentation of cash visibility, liquidity imbalances and FX fluctuations. Merchants can view and forecast current and future cash positions, optimize liquidity, manage FX risks and make smarter global payout decisions. Core products include World Map, Falcon Forecast, Whale Pooling, Falcon FX and World Payout.

• World Map: a dashboard providing dynamic, unified visibility of cash positions across markets, banks, currencies and accounts, refreshed every 30 minutes.
• Falcon Forecast: powered by FalconTST and built into World Map, it predicts cash flow, liquidity and FX positions from the next minutes to months ahead, helping treasury teams plan ahead.
• Falcon FX: AI FX solutions for risk control and revenue protection, consisting of two primary products. Falcon Dynamic Pricing enables local-currency pricing with dynamic markups based on business-relevant parameters, while Falcon Smart Hedging monitors FX positions and recommends hedging strategies with transparent and auditable reasoning.
• Whale Pooling: built on WhaleRTP's global real-time connectivity, it enables instant funds operations, drawing on Falcon Forecast, real-time decisioning and embedded governance to determine when, where and how much to move, within customers' defined policies and controls. The same-day settlement rate exceeds 98%.
• World Payout: uses intelligent decisioning to evaluate cost, success rate, speed, risk and other factors to identify the optimal payout route, with transparent and explainable reasoning.

WorldFirst for Enterprise also introduces the Account for Agent (AFA), described as the world's first truly agentic account for businesses. It is built on KYA-enabled smart contracts, full-chain security control, dynamic monitoring and intervention, and a feedback mechanism for continuous agent tuning.

AI-Native Global Growth Solutions

Across its services, agentic tools help merchants with market expansion, multi-channel promotion, subscriptions, billing and tax filing support. AI also powers more targeted and efficient credit and financing products for SMEs and consumers.

• Antom Billing and Antom Tax: cover subscriptions, metering, automatic invoice generation, tax monitoring, filing support and reporting across multiple jurisdictions, as well as multi-platform campaigning and marketing.
• Antom Agentic Commerce Hub: enables instant integration and distribution of product catalogs across multiple third-party agentic platforms.
• Antom Shopping Agent: a plug-and-play solution enabling direct-to-consumer ag shopping experiences, with white-label options available for enterprise customers. Plug-ins are live on two leading online store-building platforms, with API connectivity and support for additional platforms coming soon.
• A+Rewards: now upgraded as an AI-powered growth engine built on the Alipay+ network, connecting merchants to more than 30 AI and e-commerce platforms for one-click campaign distribution and customer acquisition. In recent e-commerce platform cases, cross-channel AI marketing drove 41% annual user growth.
• Bettr AI Credit Engine: embedded finance solutions enabling partners to offer AI-enhanced, multi-scenario credit services for SMEs. Deploying a credit strategy takes minutes rather than weeks with dynamic risk assessment and instant lending decisions. The engine is helping 49 institutions in 28 markets provide access to over 100 million users, especially micro, small and medium-sized enterprises (MSMEs).
• Bettr Global Credit: smart funding solutions tailored to SMEs across multiple business scenarios, with credit decisions in as fast as one minute. Powered by the Bettr AI Credit Engine for automated credit decisioning and real-time risk management, it helps merchants access flexible funding to support operations and business growth.

Source: Global FinTech Series