Ant International Unveils Nearly 100 AI Fintech Products
The new AI-native financial technology stack spans payments, foreign exchange, and treasury, with a global rollout planned for later in 2026 across its Alipay+, Antom, WorldFirst, and Bettr platforms.
AI-Native Financial Stack Launched
Ant International has introduced a comprehensive suite of artificial intelligence (AI) powered financial technology solutions. This new "AI-native" stack includes nearly 100 products covering payments, accounts, foreign exchange (FX), treasury operations, and business growth tools.
The company plans a global rollout of these products later in 2026, integrating them across its key platforms: Alipay+, Antom, WorldFirst, and Bettr. Peng Yang, CEO of Ant International, stated that future fintech leaders require both a trusted infrastructure and foundational FinAI models, alongside connected AI-native solutions for an "agentised future".
Core AI Models and Security
The new offerings are built upon two proprietary AI models. The Antom 3-in-1 Transformer model enhances payment functions, including fraud detection and transaction optimisation. For forecasting foreign exchange exposure, cash flow, and liquidity, Ant International utilises its FalconTST model.
The entire stack incorporates a two-layer security architecture, designed to address both existing payment risks and new challenges specific to transactions involving AI agents. This dual approach aims to secure financial operations in an increasingly automated environment.
Operational Tools and Merchant Adoption
Ant International is also introducing new automation tools, accessible via natural-language interfaces, for payments, account management, and treasury. Antom Autopilot assists merchants with onboarding, payment integration, risk management, reconciliation, and market expansion. WorldFirst is gaining AI tools for account management, treasury, and foreign exchange.
A new "Account for Agent" (AFA) is designed to enable AI agents to conduct business transactions under defined controls. Ant International reported that 89.5% of merchants using its Antom platform already deploy AI agents, with AI supporting 81.4% of payment-related tasks.
Supporting infrastructure for these AI initiatives includes the Alipay+ Agentic Mobile Protocol, which facilitates AI-initiated payments, and WhaleRTP, Ant International's blockchain-based wholesale settlement platform. WhaleRTP processed 45% of Ant International's cross-border transaction volume in 2025.
The company operates across more than 210 markets, connecting 150 million merchants with over 2 billion consumer accounts. For Asian businesses, these AI tools offer a path to greater efficiency in cross-border payments, FX hedging, and treasury management, potentially reducing operational costs and improving financial forecasting across the region's diverse markets.
This article is journalism, not investment advice; consult a licensed professional before making financial decisions. Market data is indicative, may be delayed, and should be verified with your broker or exchange before use.
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