Singapore – Ant International has launched what it describes as the industry’s first full-stack, AI-native suite of solutions covering payment, account, foreign exchange, treasury and growth operations for global businesses.
According to Ant International, the suite is powered by two proprietary foundation models: the Antom 3-in-1 Transformer, a payment foundation model, and FalconTST, an AI-driven forecasting model for FX and liquidity.
The Antom 3-in-1 Transformer is built on more than 10 billion parameters and processes 90 trillion data points annually, the company says.
Ant International states that the model simultaneously analyses sequential, tabular and graph-based data through a cross-modality attention mechanism, supporting fraud detection, scam prevention, abuse prevention and payment success optimisation in one architecture.
Among leading clients of its newly launched subscription service, the company reports chargeback rates fell by as much as 87%.
FalconTST, meanwhile, is described as a first-of-its-kind model trained on data across finance, retail, energy and travel sectors to forecast FX exposures and cash flows.
Backed by over 8.5 billion parameters, Ant International says the model has achieved more than 93% accuracy in FX and cash-flow forecasting, and has cut corporate FX hedging and allocation costs by between 30% and 60% in real-world deployments.
Security for the new stack rests on what the company calls a two-layered architecture.
This includes a dynamic know-your-agent (KYA) framework built into the Alipay+ Agentic Mobile Protocol (AMP), alongside AgentSafePay, which Ant International describes as the industry’s only security product offering a fund-back guarantee against losses from agent-specific risks.
Since AMP’s launch in April 2026, ten Alipay+ wallet partners and seven acquirers have adopted the protocol in its first phase, according to the company.
Ant International says AMP also cuts the steps required to link a payment agent to a wallet by 50%, and supports high-frequency, nano-grade agent-to-agent settlements as small as $0.000001.
The company has additionally established a collaborative framework with Mastercard and Visa aimed at building interoperable agent-security standards.
On the treasury side, Ant International’s blockchain-based wholesale settlement platform, WhaleRTP, connects blockchain assets from 23 financial institutions.
In 2025, the platform processed 45% of the company’s cross-border volume, reducing working capital requirements by 60% and lifting interest income by 23%, the company reports.
The AI-native product line-up includes Antom Autopilot, which Ant International says manages the entire merchant payment lifecycle — from onboarding and integration to dispute resolution and market expansion — through a single natural-language interface.
The company states that Antom Autopilot has cut lead time to first transaction from days to minutes in real deployments, and that merchant adoption of AI integration has quadrupled over the past 12 months.
Ant International projects that 95% of merchants will be able to onboard new payment methods within an hour by the end of 2026.
Its dispute-management tool, Antom SmartDispute, is said to have lifted average dispute success rates from 24.5% to 41.8%.
On the account side, WorldFirst — Ant International’s global account brand — now offers an AI agent named Wyn, which the company says allows merchants to open accounts and apply for multi-currency virtual or physical cards through a single command.
WorldFirst for Enterprise also introduces what Ant International calls the world’s first Account for Agent (AFA), an agentic business account built on KYA-enabled smart contracts and continuous monitoring.
For treasury operations, the company’s suite includes Falcon Forecast, which predicts cash flow and FX positions from minutes to months ahead, and Whale Pooling, which the company says achieves a same-day settlement rate exceeding 98%.
Ant International’s growth-focused tools include the Antom Shopping Agent, a direct-to-consumer agentic shopping solution now live on two online store-building platforms, and A+Rewards, an AI-powered marketing engine connecting merchants to more than 30 AI and e-commerce platforms.
The company also cited its Bettr AI Credit Engine, which it says has helped 49 institutions across 28 markets extend credit access to more than 100 million users, particularly micro, small and medium enterprises.
Ant International Chief Executive Peng Yang said, “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.”
Ant International reports that 89.5% of merchants using Antom, its merchant payment service, have deployed AI agents in the past 12 months, with 81.4% of payment tasks now completed with AI assistance.
The company operates across four business pillars — Alipay+, Antom, WorldFirst and Bettr — offering cross-border payment, account, treasury and credit technology to global merchants.
Its network spans 53 digital wallets and 10 national QR code schemes, linking 150 million merchants to more than 2 billion consumer accounts across 210 markets, according to the company.
