Ant International launches AI-native payments stack

Ant International has launched a full stack of AI-native products for payments, accounts, foreign exchange, treasury and growth operations, covering nearly 100 products across four business pillars.

The rollout centres on its merchant payment arm Antom, global account brand WorldFirst, embedded finance business Bettr and wallet network Alipay+. It includes autopilot tools for payment, account and treasury work, as well as what Ant International described as the first account designed for business AI agents.

Chief Executive Officer Peng Yang announced the launch as Ant International looks to expand beyond payment processing into a broader range of financial workflows for global merchants. The company said customers want more connected tools to manage cross-border operations, including onboarding, compliance, liquidity, settlement and foreign exchange exposure.

Over the past 12 months, 89.5% of clients using its main merchant payment service had deployed its FinAI tools, while 81.4% of payment tasks were completed with AI support, according to Ant International. The figures suggest automation is moving quickly from pilot projects into day-to-day payments and treasury operations, especially for companies operating across multiple markets and currencies.

According to the company, Ant International operates a cross-border network linking 150 million merchants with more than 2 billion consumer accounts through 53 digital wallets and 10 national QR schemes. Daily average transactions exceed 25 million across 210 markets, with customers ranging from large eCommerce groups and digital platforms to online travel agencies and small and medium-sized businesses in emerging markets.

Model stack

The product set is built on two in-house models. Antom 3-in-1 Transformer is used in payment operations and processes sequential, tabular and graph data within one architecture. FalconTST is a forecasting model for foreign exchange and liquidity planning.

Ant International said the payment model processes 90T of data a year and is designed to support fraud detection, scam prevention, abuse prevention and payment success-rate management. Among clients using a new subscription service based on that model, chargeback rates fell by as much as 87%, it said.

For treasury and currency management, FalconTST has more than 8.5 billion parameters and has achieved more than 93% accuracy in forecasting foreign exchange exposure and cash flow in real-world use, according to the company. In some corporate cases, it said it cut hedging and allocation costs by 30% to 60%.

Security focus

Ant International also tied the launch to a two-layer security structure for AI-driven transactions. It includes a know-your-agent framework and AgentSafePay, which offers a full fund guarantee against losses linked to agent-specific risks such as prompt manipulation or errors in interpreting user intent, according to the company.

Another part of the system is the Alipay+ Agentic Mobile Protocol, an open payment protocol for digital wallets, super apps and connected devices that allows AI agents to make payments. Ant International said 10 wallet partners and seven acquirers are supporting the protocol in its first phase.

The protocol is intended to let users authorise specific tasks rather than give an AI agent full account control, while maintaining visibility over transactions. The system also supports very small automated settlements between agents, down to USD $0.000001.

Treasury tools

On the treasury side, Ant International is also leaning on WhaleRTP, its blockchain-based wholesale settlement platform. The platform works with blockchain assets from 23 financial institutions and processed 45% of its own cross-border volume in 2025, according to the company.

WhaleRTP reduced working capital requirements by 60% and increased liquidity yield by 23%, Ant International said. Those economics are likely to be central to its effort to win larger enterprise treasury mandates, where finance teams are under pressure to improve cash visibility and move funds more efficiently across borders.

Several of the new tools target practical pain points for merchants. Antom Autopilot is designed to handle onboarding, integration, orchestration, risk management, reconciliation and troubleshooting through a conversational interface. In live use, it reduced the lead time to a first transaction from days to minutes, according to the company.

For disputes, Antom SmartDispute advises on claims and appeals, while AutoDispute automates the process. SmartDispute raised average dispute success rates from 24.5% to 41.8%, the company said.

WorldFirst for Enterprise is positioned as the account and treasury layer for larger businesses and platforms. Its tools cover onboarding and compliance checks, payment administration, fraud defence, chargeback control and currency management, while Wyn, a natural-language AI agent, is aimed at smaller businesses managing account workflows.

One of the more notable additions is Account for Agent, or AFA, which Ant International described as the first business account built specifically for AI agents. It uses smart contracts, monitoring and intervention controls, and a feedback mechanism intended to refine agent behaviour over time.

The company is also adding growth products spanning billing, tax support, marketing distribution, shopping agents and credit decisioning. Bettr, its embedded finance unit, provides AI-based credit tools that are already helping 49 institutions in 28 markets serve more than 100 million users, particularly micro, small and medium-sized enterprises, according to Ant International.

"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," Yang said.