Ant International Unveils 100 Products to Drive Agentic Financial Operations

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Ant International has announced an artificial intelligence-native financial stack that includes nearly 100products across payment, account, foreign exchange, treasury and growth operations, the company said in a Friday (Sept. 18) press release.

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    The product suite is built on Ant International’s two proprietary foundation models, including a payment foundation model called Antom 3-in-1 Transformer and a time-series transformer (TST) forecasting model for foreign exchange and liquidity called FalconTST, according to the release.

    The product suite also features a two-layered security architecture and, for payment interoperability, Agentic Mobile Protocol (AMP) and the blockchain-based wholesale settlement platform WhaleRTP, per the release.

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    Among large language model clients for Ant International’s subscription services, Antom 3-in-1 Transformer dropped the chargeback rate by as much as 87%, according to the release.

    FalconTST can achieve greater than 93% accuracy in foreign exchange and cash flow forecasting, cutting corporate foreign exchange hedging and allocation costs by 30% to 60%, according to the release.

    The products are being rolled out this fall and winter to global markets, per the release.

    “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 agentized future,” Ant International CEO Peng Yang said in the release.

    PYMNTS reported Friday that Ant International’s new AI-native financial stack includes bank accounts for AI agents. The Account for Agent runs on know your agent smart contracts, with live monitoring and the ability to intervene in an agent’s activity.

    Ant International said in August that several of the world’s biggest banks, including Barclays, Citi, Deutsche Bank and Standard Chartered, are using FalconTST to gain more accurate forecasting in real-world foreign exchange risk management of cross-border payments.

    In September, Ant International said it was working with Visa and Mastercard to develop a know your agent interoperability framework designed to help card networks, digital wallet ecosystems, agent platforms and marketplaces streamline AI agent onboarding and identification across networks. The three companies already had their own protocols and were exploring ways “to work toward common principles,” Ant International said at the time.