Ant International launched a full stack of AI-native solutions for payment, account, FX, treasury and growth operations for global businesses, built on a 2-layered security architecture and 2 proprietary foundation models: the Antom 3-in-1 Transformer payment foundation model and the FalconTST time-series transformer forecasting model for FX and liquidity. The FinAI stack is underpinned by the Agentic Mobile Protocol (AMP) and the blockchain-based wholesale settlement platform WhaleRTP. The upgrade aims to help businesses excel in existing tasks with greater efficiency and deploy end-to-end agentic capabilities to maximise future growth, CEO Peng Yang said at the company's annual VOYAGE merchant event in Shanghai. Under Antom, 89.5% of merchants have already deployed AI agents, and 81.4% of payment tasks were aided by AI. Ant International offers cross-border digital payment, account, treasury management and credit tech solutions across Alipay+, Antom, WorldFirst and Bettr, building on a mobile payment network of 53 digital wallets and 10 national QR schemes linking 150 million global merchants to over 2 billion consumer accounts, with daily average transactions exceeding 25 million across 210 markets. The Antom 3-in-1 Transformer, built on 10 billion+ parameters, processes 90T of data annually.