Ant International Unveils Nearly 100 AI Products for Payment, FX and Treasury Operations

Ant International has rolled out an artificial intelligence-native financial stack with nearly 100 products across payment, account, foreign exchange, treasury and growth operations. For high-risk PSPs, the interesting bit is not the model count — it is the combination of payments, liquidity forecasting and agent onboarding infrastructure in one stack.

1. The suite is built on two proprietary foundation models: Antom 3-in-1 Transformer, a payment foundation model, and FalconTST, a time-series transformer forecasting model for foreign exchange and liquidity. Ant International said the stack also includes a two-layered security architecture, plus Agentic Mobile Protocol (AMP) and the blockchain-based wholesale settlement platform WhaleRTP for payment interoperability.
2. On the payments side, Ant International said that among large language model clients for its subscription services, Antom 3-in-1 Transformer reduced the chargeback rate by as much as 87%. For PSPs serving exposed merchant categories, that is the number that matters first: chargeback reduction is not a marketing line, it is underwriting, reserves and merchant survivability.
3. On the treasury side, FalconTST is said to achieve greater than 93% accuracy in foreign exchange and cash flow forecasting, cutting corporate foreign exchange hedging and allocation costs by 30% to 60%. In practice, that points to tighter liquidity management for merchants and payment intermediaries that live and die by settlement timing and FX spread control.
4. The products are being rolled out this fall and winter to global markets, according to the release. PYMNTS also reported that the new stack includes bank accounts for AI agents, with an Account for Agent built on know your agent smart contracts, live monitoring and the ability to intervene in an agent’s activity.
5. Ant International said in August that Barclays, Citi, Deutsche Bank and Standard Chartered are using FalconTST for foreign exchange risk management on cross-border payments. In September, it also said it was working with Visa and Mastercard on a know your agent interoperability framework aimed at helping card networks, digital wallet ecosystems, agent platforms and marketplaces streamline AI agent onboarding and identification.