Ant International has unveiled a broad AI-native product stack spanning payments, business accounts, foreign exchange, treasury, credit and merchant growth, extending its agentic-finance push beyond individual payment tools into day-to-day financial operations.
The company said the upgrade includes close to 100 products across its Alipay+, Antom, WorldFirst and Bettr businesses. The stack is built around two proprietary models: the Antom 3-in-1 Transformer for payment data and FalconTST for foreign-exchange and liquidity forecasting. Ant International said the products will roll out to global markets through fall and winter 2026.
AI moves deeper into payment operations
Ant International is positioning Antom Autopilot as a conversational layer across the merchant payment lifecycle, including onboarding, integration, orchestration, fraud protection, revenue recovery, troubleshooting, reconciliation and market expansion. The company said merchants using AI integration quadrupled over the past 12 months and expects 95 percent of merchants to be able to onboard new payment methods within one hour by the end of 2026.
The company also introduced or expanded tools for dispute management, payment routing, retries, wallet checkout and agentic transactions. Ant International said 89.5 percent of merchants using its Antom service have deployed AI agents and that AI assists 81.4 percent of payment tasks. Those figures are company-reported.
The underlying Antom 3-in-1 Transformer has more than 10 billion parameters and is designed to process sequential, tabular and graph data in one architecture. Ant International said the model processes 90 trillion data points annually and is used across fraud, scam and abuse prevention as well as payment optimization.
WorldFirst adds AI-native account and treasury workflows
For business accounts, WorldFirst is adding natural-language and agent-based workflows for onboarding, account management, payments and treasury. Its Wyn assistant is aimed at small and medium-sized enterprises, while WorldFirst for Enterprise is adding supervised agentic workflows for compliance, eKYC and KYB, payment management and treasury.
The treasury stack includes World Map for cash visibility, Falcon Forecast for cash-flow and foreign-exchange forecasting, Falcon FX for dynamic pricing and hedging recommendations, Whale Pooling for liquidity movement, and World Payout for selecting payout routes based on factors including cost, success rate, speed and risk.
Ant International said FalconTST has more than 8.5 billion parameters and has achieved more than 93 percent accuracy in foreign-exchange and cash-flow forecasting in its own real-world cases. It also claims the model reduced corporate FX hedging and allocation costs by 30 percent to 60 percent in those cases.
Agentic commerce and credit expand the stack
Ant International is also pushing AI into commerce and embedded finance. The product set includes an Agentic Commerce Hub for distributing product catalogs to third-party agent platforms, a shopping agent for direct-to-consumer experiences, and upgraded A+Rewards tools for cross-channel customer acquisition.
Bettr’s AI Credit Engine, meanwhile, is being used by partners to provide credit services to small businesses. Ant International said the system supports 49 institutions in 28 markets with access to more than 100 million users, while Bettr Global Credit can return credit decisions in as little as one minute.
The release builds on Ant International’s earlier work around the Alipay+ Agentic Mobile Protocol and know-your-agent controls. TNGlobal previously reported that Ant International, Mastercard and Visa were working toward interoperable standards for identifying and governing AI agents in payment environments.
The larger question for global businesses will be how much autonomy they are prepared to give these systems as AI moves from recommendations into payments, treasury movements, credit decisions and account operations. Ant International says its architecture keeps permissions and governance embedded in those workflows, while many of the performance figures released with the new stack remain vendor-reported and will need to be judged against broader production use.
Featured image: Peng Yang, CEO of Ant International, introduced a full stack of AI-native solutions for payment, account, FX, treasury and growth for global businesses at Ant International’s 2026 global merchant event (Ant Intenational)