In an industry first, Ant International launched a full stack of AI-native solutions for payment, account, FX, treasury and growth operations for global businesses.
The AI-native product suite is built on a 2-layered security architecture, and 2 proprietary foundation models: a payment foundation model (Antom 3-in-1 Transformer), and a time-series transformer forecasting model for FX and liquidity (FalconTST).
Underpinning the FinAI stack are also 2 major pillars for payment interoperability for the AI era: Agentic Mobile Protocol (AMP) and a blockchain-based wholesale settlement platform (WhaleRTP).
Unique Payment Foundation Model Antom 3-in-1 Transformer is industry's only payment foundation model that simultaneously processes three types of core data — sequential, tabular and graph. Cross-modality attention mechanism combines in one unified architecture capabilities for fraud detection, scam prevention, abuse prevention and payment success rate optimisation. Among leading LLM clients for newly launched subscription service, chargeback rate dropped by as much as 87%.
Pioneering FX and Liquidity Forecast Model FalconTST is first of its kind built on data across finance, retail, energy, travel and other economic sectors to deliver more accurate forecasting of FX exposures and cash flows. Model has proven capable of cutting corporate FX hedging and allocation costs by 30% to 60% in real-world cases.
2-Layered Security Architecture includes dynamic KYA framework built with Alipay+ Agentic Mobile Protocol connecting mobile wallet networks to agentic transactions and AgentSafePay offering 100% fund guarantee against losses from intent misinterpretation and malicious prompt injection.
Alipay+ Agentic Mobile Protocol is open payment protocol built for digital wallets, super apps, smart devices and mobile interfaces to enable payments by AI agents. Since launch in April 2026, 10 Alipay+ wallet partners and 7 acquirers support AMP in Phase 1. Features include end-to-end agentic transactions across devices, faster agent integration cutting steps by 50%, clear permission boundaries with real-time visibility, high-frequency nano-grade A2A settlement as tiny as $0.000001, and collaborative KYA interoperability with Mastercard and Visa.
Blockchain-based Wholesale Settlement Platform WhaleRTP is next-gen treasury management solution optimising liquidity while enabling interoperability across blockchain assets from 23 leading financial institutions. In 2025, WhaleRTP processed 45% of Ant International's cross-border volume, reducing working capital requirements by 60% and boosting interest income by 23%.
AI-Native Global Payment built on payment foundation model includes Antom Autopilot handling entire merchant lifecycle from onboarding to reconciliation in conversational window, cutting lead time to first transaction from days to minutes. Antom SmartDispute drives average dispute success rate from 24.5% to 41.8%. Other products include Antom Revenue Booster, EasySafePay, Shield, AgentSafePay, Connect and Agentic Payments.
AI-Native Global Account within WorldFirst for Enterprise provides autopilots for compliance and eKYC/KYB, payment management and AI FX and treasury tools. Wyn natural-language agent manages SME workflow for opening accounts and World Card supporting 17 currencies. Features include A2A Supplier Connections and Smart Liquidity Management.
AI-Native Global FX and Treasury suite embodied in Treasury Autopilot includes World Map refreshed every 30 minutes, Falcon Forecast, Falcon FX with Dynamic Pricing and Smart Hedging, Whale Pooling with same-day settlement over 98%, World Payout and WorldFirst Account for Agent, world's first truly agentic account for businesses.
"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," said Peng Yang, CEO of Ant International, to over 1,100 executives at the company's annual VOYAGE merchant event in Shanghai.
About Ant International
Ant International helps businesses to thrive through a full stack of AI-native payment, account, foreign exchange, treasury and growth solutions, underpinned by our trusted foundation models, security architecture, blockchain RTP platform and a world-leading mobile payment ecosystem. We drive relentless innovation to bring inclusive growth for merchants and communities of all sizes, today and tomorrow.
