Ant International has 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 Ant International’s two proprietary foundation models: a payment foundation model (Antom 3-in-1 Transformer), and a time-series transformer (TST) forecasting model for FX and liquidity (FalconTST).

Underpinning the FinAI stack are also two major pillars for payment interoperability for the AI era: Ant International’s Agentic Mobile Protocol (AMP) and a blockchain-based wholesale settlement platform (WhaleRTP).

This round of sweeping product upgrade aims to support all businesses with an AI action plan to complete two critical tasks:

• Excelling in existing tasks with greater efficiency with comprehensive AI tools; and
• Deploying end-to-end agentic capabilities to maximise future growth.

“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.

Ant International offers cross-border digital payment, account, treasury management and credit tech solutions to global merchants across 4 business pillars: Alipay+, Antom, WorldFirst and Bettr.

Building on a mobile payment network of 53 digital wallets and 10 national QR schemes, Ant International links 150 million global merchants to over 2 billion consumer accounts. Clients include top-tier global e-commerce, digital & entertainment (D&E), OTA platforms and industry leaders as well as fastest-growing SMEs in emerging markets. Daily average transactions exceed 25 million across 210 markets.

The AI FX and treasury suite, embodied in WorldFirst for Enterprise Treasury Autopilot, helps enterprises tackle fragmentation of cash visibility, imbalance of liquidity and FX fluctuations. Merchants are able to see 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 for dynamic, unified visibility of cash positions across markets, banks, currencies and accounts, refreshed every 30 minutes.

• Falcon Forecast

Powered by Falcon TST, and built into the World Map, Falcon Forecast predicts cash flow, liquidity and FX positions for next minutes to months, 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.

Falcon Smart Hedging: Monitors FX positions and recommends hedging strategies with transparent and auditable reasoning.

• Whale Pooling

Built on Whale RTP’s global real-time connectivity, Whale Pooling enables instant funds operations. It draws on Falcon Forecast, real-time decisioning and embedded governance to determine when, where and how much to move, within customers’ defined policies and controls. 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 Account for Agent (AFA)

The world’s first truly agentic account for businesses, built on KYA-enabled smart contracts, full-chain security control, dynamic monitoring and intervention, and a feedback mechanism for continuous agent tuning.