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 our 2 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 2 major pillars for payment interoperability for the AI era: our 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.

Under Antom, Ant International's merchant payment service, 89.5% of merchants have already deployed AI agents. 81.4% of payment tasks were aided by AI. Clients are also demanding more connected fintech solutions beyond payment to tackle the increasing complexities of their global operation.

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.

Technology Foundations

Unique Payment Foundation Model: The Antom 3-in-1 Transformer

• The industry's only payment foundation model that simultaneously processes three types of core data — sequential (behavior over time), tabular (structured records), and graph (relationships between users, entities, and devices). Built on 10 billion+ parameters, Antom 3-in-1 Transformer processes 90T of data annually.
• Cross-modality attention mechanism combines in one unified architecture capabilities for fraud detection, scam prevention, abuse prevention, and payment success rate optimisation.
• Among the leading LLM clients for our newly launched subscription service, chargeback rate dropped by as much as 87%.