Ant International embeds AI agents across all platforms in biggest-ever product upgrade

Ant International, the overseas affiliate of China’s Ant Group, is rolling out an extensive artificial intelligence overhaul across its entire global financial services platform. This upgrade, described as the largest ever, incorporates AI agents to manage payments, foreign exchange, and treasury operations across multiple platforms.

Ant International CEO Peng Yang stated that the initiative aims to prepare global commerce for a "fully agentised future." The product upgrade, which begins globally and extends through winter, spans nearly 100 products and is a result of a series A funding round totaling roughly US$1.2 billion, backed by Ant Group, Alibaba Group Holding, and other institutional investors.

The upgrade includes AI assistants for payments and account management, cash-flow forecasting, currency hedging, global payouts, and services supporting billing, tax filing, marketing, and credit access. Ant International also introduced a new business account designed specifically for AI agents. According to Gary Liu, CEO of Antom, 89.5% of its merchants already use AI agents, with 81.4% of payment tasks receiving AI assistance.

The company relies on two proprietary systems: Antom 3-in-1 Transformer, which processes structured data to assess transactions, and FalconTST, a forecasting model with over 93% accuracy that reduces hedging and capital allocation costs by 30 to 60%. Ant International has introduced a "know-your-agent" (KYA) framework linked to its Agentic Mobile Protocol and AgentSafePay, which offers a fund-back guarantee against losses from agent-specific risks.

The company is also collaborating with Visa and Mastercard to establish global agent verification standards through its Agentic Mobile Protocol.