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Ant International has launched an AI-native financial technology stack covering payments, accounts, foreign exchange, treasury and business growth tools.
The rollout brings together close to 100 products across Alipay+, Antom, WorldFirst and Bettr, with the products being rolled out globally later in 2026.
The stack is built on two proprietary models. Antom 3-in-1 Transformer supports payment functions such as fraud detection and payment optimisation, while FalconTST is designed to forecast foreign exchange exposure, cash flow and liquidity.
It is also supported by a two-layer security architecture designed to address existing payment risks and risks linked specifically to transactions involving AI agents.
Yang Peng
“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
Ant International reported that 89.5% of merchants using Antom have deployed AI agents, while AI supported 81.4% of payment-related tasks.
The company is introducing automation tools for payments, account management and treasury operations through natural-language interfaces.
Antom Autopilot covers merchant onboarding, payment integration, risk management, reconciliation and market expansion, while WorldFirst is introducing AI tools for account management, treasury and foreign exchange.
The launch also includes Account for Agent, or AFA, an account designed to allow AI agents to carry out business transactions under defined controls.
Ant International’s AI-native stack for payments, accounts, FX, treasury and growth.
Building Infrastructure for AI Agent Payments
Supporting infrastructure includes the Alipay+ Agentic Mobile Protocol for AI-initiated payments and WhaleRTP, Ant International’s blockchain-based wholesale settlement platform.
Ten Alipay+ wallet partners and seven acquirers currently support the protocol in its first phase. WhaleRTP processed 45% of Ant International’s cross-border transaction volume in 2025.
Other tools cover billing, tax support, marketing, credit assessment and business financing.
Ant International operates across more than 210 markets and connects 150 million merchants with more than 2 billion consumer accounts.
Featured image: Edited by Fintech News Singapore, based on image by ImageFlow via Magnific
