Ant International, the Shanghai and Singapore headquartered cross-border payments and financial services group, has unveiled an AI-native stack spanning payments, accounts, foreign exchange, treasury and growth operations as merchants prepare for more autonomous commerce.
The launch brings together close to 100 products across Alipay+, Antom, WorldFirst and [Bettr], supported by two proprietary foundation models designed to handle payment decisioning, FX exposure and liquidity forecasting.
Ant International said the offering is designed to give merchants the infrastructure to manage financial operations through AI agents, including what it describes as the world’s first Account for Agent, a business account built specifically for autonomous AI agents.
The rollout comes as AI adoption accelerates across Antom’s merchant base. The company said 89.5% of Antom merchants have deployed AI agents over the past year, while 81.4% of payment tasks are now completed with AI assistance.
Ant International’s wider network connects 53 digital wallets and ten national QR code schemes, reaching 150m merchants and more than 2bn consumer accounts across 210 markets. It processes more than 25m transactions each day.
The company’s Antom 3-in-1 Transformer sits at the centre of its payment infrastructure, with more than ten billion parameters and the ability to process 90 trillion data points annually.
The model combines behavioural, structured and relationship data to support fraud, scam and abuse prevention while improving payment success rates. Ant International said merchants using its newest subscription tier have seen chargeback rates fall by as much as 87%.
Alongside the payment model, FalconTST has been developed to forecast FX exposure and cash flow. Built on more than 8.5 billion parameters, the company said the model achieves accuracy above 93% and can reduce hedging and allocation costs by between 30% and 60%.
The new stack also introduces security infrastructure designed specifically around agentic commerce.
Ant International has developed a dynamic know-your-agent framework linked to its Agentic Mobile Protocol, alongside AgentSafePay, which provides a fund-back guarantee against losses associated with agent-specific risks such as prompt injection.
The Agentic Mobile Protocol went live in April 2026 and already has ten wallet partners and seven acquirers. It also supports settlement between AI agents in increments as small as $0.000001.
Across its four business pillars, the company is also introducing AI tools for areas including dispute management, smart payment routing and credit decisioning for small businesses.
WorldFirst’s “Wyn” agent, meanwhile, allows merchants to open accounts and issue multi-currency cards through a single instruction, bringing account management further into the company’s agentic offering.
The launch builds on Ant International’s existing financial infrastructure. Its WhaleRTP blockchain settlement platform is connected to 23 financial institutions and handled 45% of the company’s cross-border volume in 2025.
Ant International said WhaleRTP reduced working capital requirements by 60% while increasing interest income by 23%. For the company, the broader strategy is to combine AI models, financial infrastructure and trust mechanisms so merchants can move towards increasingly automated financial operations without removing controls around risk and security.
Ant International CEO 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.”
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