Cross-border digital payment and financial technology leader Ant International today announced its largest product upgrade to date, unveiling an end-to-end, full-stack suite of AI-native solutions. The new deployment spans close to 100 products across the organization’s four primary business pillars Alipay+, Antom, WorldFirst, and Bettr providing global merchants and enterprises with automated tools for payment processing, business account management, foreign exchange (FX), treasury operations, and cross-border growth.
Designed to transition international businesses into agentic financial workflows, the product architecture equips enterprise finance departments and digital merchants to streamline daily operational tasks while deploying autonomous AI agents to drive future operational expansion.
Grounded on Proprietary Foundation Models and Dual-Layered Trust Architecture
Ant International’s AI-native stack is powered by two proprietary foundation models built specifically for financial services:
Antom 3-in-1 Transformer: The industry’s premier payment foundation model operating on over 10 billion parameters and processing 90 trillion data points annually. The model simultaneously evaluates sequential, tabular, and graph data to optimize payment success rates while mitigating fraud, scams, and platform abuse.
FalconTST (Time-Series Transformer): An advanced FX and liquidity forecasting model featuring more than 8.5 billion parameters. Trained on cross-sector economic data, FalconTST achieves over 93% forecast accuracy for foreign exchange exposures and cash flows, reducing corporate FX hedging and allocation costs by 30% to 60%.
Also Read: Mercury Unveils Mercury Books to Automate Enterprise Accountin
To protect financial systems against agent-specific vulnerabilities, Ant International underpins its platform with a two-layered trust framework. The architecture incorporates a dynamic Know-Your-Agent (KYA) verification structure via the Alipay+ Agentic Mobile Protocol (AMP) alongside AgentSafePay, a security offering backed by a fund-back guarantee against losses stemming from intent misinterpretation or prompt manipulation.
End-to-End Automation Across Core Financial Workstreams
The suite integrates conversational AI autopilots across five core operational domain pillars:
AI-Native Global Payments (Antom): Introduces Antom Autopilot, a conversational management interface that handles the merchant payment lifecycle from onboarding and orchestration to chargeback defense and settlement reconciliation. It also debuts Antom Agentic Payments and Account for Agent (AFA) to facilitate secure machine-to-machine transactions.
AI-Native Global FX & Treasury (WorldFirst): Features WorldFirst for Enterprise Treasury Autopilot, incorporating tools like World Map for real-time multi-currency cash visibility, Falcon Forecast, Falcon Dynamic Pricing, Falcon Smart Hedging, and Whale Pooling—a solution powered by the WhaleRTP blockchain settlement platform that achieves a same-day settlement rate exceeding 98%.
AI-Native Growth & Credit (Bettr & Alipay+): Deploys the Bettr AI Credit Engine to deliver rapid credit assessments—returning decisions in as little as one minute across 49 partner institutions and introduces the Antom Agentic Commerce Hub and Shopping Agent to distribute product catalogs directly to third-party AI platforms.
Scaling Global Agentic Commerce
The launch builds upon Ant International‘s broader payment network infrastructure, which connects 53 digital wallets and 10 national QR schemes to link 150 million global merchants with over 2 billion consumer accounts across 210 markets. By partnering with global payment networks including Mastercard and Visa on Know-Your-Agent interoperability frameworks, Ant International continues to advance secure, standardized standards for agentic financial transactions worldwide.