Ant International

What Ant International does

Ant International is a Singapore-headquartered fintech company founded in 2023 as the international arm of Ant Group, operating a B2B2X cross-border digital payments and financial infrastructure platform. The company connects approximately 150 million merchants to roughly 2 billion consumer accounts across more than 220 markets and supports over 300 payment methods through a multi-brand portfolio: Alipay+ (global payment gateway linking 40+ partner e-wallets to merchants), Antom (enterprise merchant payment infrastructure), WorldFirst (SME cross-border accounts and FX), Bettr (embedded finance and lending reaching 30+ million MSMEs), plus the Whale blockchain treasury platform, Anext Bank (Singapore digital wholesale bank), and EPOS (payment terminals, acquired May 2025).

The underlying technology stack is an API-driven, cloud-native payment and risk platform with proprietary AI capabilities, including the AI SHIELD 3-in-1 Transformer model (7B+ parameters) for fraud and deepfake detection, Falcon TST for FX forecasting, the GenAI Cockpit AI-as-a-Service platform, and the Agentic Mobile Protocol (AMP), an open-source framework for AI agent-to-wallet transactions. Infrastructure partnerships span Google Cloud, Microsoft Azure, AWS, and NVIDIA. The company processes more than 20 million transactions daily and has integrated with major card networks (Visa, Mastercard), SWIFT, and tier-1 global banks (Standard Chartered, DBS, Citi, HSBC, CIMB).

Ant International generates revenue primarily through transaction fees on processed cross-border payments, FX margins on currency conversion through WorldFirst, and technology licensing to financial institutions and merchants via API access. Pricing is not publicly disclosed and is typically negotiated based on transaction volume and partnership structure. The go-to-market combines direct enterprise sales with bank and payment network channel partnerships, and the company is reportedly raising approximately $1 billion at a $10 billion+ valuation in 2026 while considering a Hong Kong IPO.

Name

Ant International

Legal name

Ant International

Website

https://antglobal.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Ant International operates a B2B2X cross-border digital payments platform connecting 150+ million merchants to approximately 2 billion consumer accounts across 220+ markets through its Alipay+, Antom, WorldFirst, and Bettr brands, serving financial institutions and merchants globally.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Infrastructure

akta.pro primary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

akta.pro secondary industries

Cross-border Payments, FX & Multi-currency Checkout (CRAFAJAF), Integrated Payment Processors (PSP/Acquirer) (FSAMABAA), Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.) (CRAFALAG), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Cross-border payments
• Payment infrastructure
• Merchant payment processing
• Digital wallet integration
• Foreign exchange services

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales

Revenue model

1. Payment Processing and Transaction Fees: Ant International generates revenue through transaction fees charged on cross-border payments processed through its platforms including Alipay+, Antom, and WorldFirst. The company earns a percentage of each transaction processed, with revenue scaling based on transaction volume across its global merchant network.
2. Currency Exchange Services: Through WorldFirst, the company provides foreign exchange services to businesses engaged in international trade, earning revenue through exchange rate margins on currency conversions.
3. Technology Licensing: The company licenses its payment technology and infrastructure to financial institutions, payment service providers, and merchants, providing API access to its global payment network.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Ant International provides cross-border digital payment infrastructure and technology solutions to financial institutions, merchants, and payment service providers through a multi-brand portfolio (Alipay+, Antom, WorldFirst, Bettr). The platform connects over 150 million merchants to 2 billion consumer accounts across 220+ markets, supporting 300+ payment methods via single API integration and processing 20+ million transactions daily. Revenue is generated primarily through payment transaction fees, currency exchange margins, and technology licensing to enterprise clients.

Product overview

Ant International operates a unified fintech platform combining cross-border payments (Alipay+, Antom), digital wallets, global account services (WorldFirst), and embedded finance (Bettr) alongside AI-driven compliance and fintech services. The platform connects 2 billion consumer accounts to over 150 million merchants across 220+ markets, processes 20+ million daily transactions, and serves 1.6+ million SMEs. Key products include: Alipay+ (global payment gateway connecting international e-wallets to merchants), Antom (enterprise payment infrastructure), WorldFirst (SME cross-border services), Bettr (embedded finance for underserved markets), and the Whale blockchain treasury platform. AI capabilities are delivered through AI SHIELD (fraud detection and anti-deepfake), Falcon TST (FX optimization), and GenAI Cockpit (generative AI development platform).

Differentiator

Problem solved

Functional benefit

Brands

• Alipay+: Global payment gateway connecting digital wallets, merchants, and consumers for cross-border payments
• Antom
• WorldFirst
• Bettr
• Whale

Products and services

• Alipay+ Global cross-border payment gateway connecting over 1.8 billion user accounts across 40+ partner e-wallets to 150+ million merchants in 100+ markets, enabling seamless international payment acceptance through a single integration.
• Antom Enterprise payment infrastructure for merchants, integrating over 300 payment methods across 200+ markets with AI-powered onboarding (Antom Copilot) that has cut integration time by up to 95%.
• WorldFirst Cross-border payment and global account services for SMEs engaged in international trade, offering multi-currency accounts and streamlined settlement processes for export-oriented businesses.
• Bettr Embedded finance platform providing credit access and financial services to underserved businesses and consumers, extending credit to 30+ million MSMEs.
• Whale Platform Blockchain-based treasury management platform enabling real-time, 24/7 tokenized deposit management and liquidity operations for institutional clients including Standard Chartered.
• Agentic Mobile Protocol (AMP) Open-source agentic payment framework enabling LLMs, platforms, and merchants to connect to 4.4 billion digital wallet users with a 50% reduction in integration steps and a Know Your Agent (KYA) trust framework.
• Alipay+ Voyager Agentic AI travel companion integrated into digital wallets and super apps, connecting 1.7 billion consumer accounts across 36 e-wallets to over 100 million merchants for personalized travel services.

Quantifiable outcome

• Processing over 20 million transactions daily across the global payment network
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability14 records

Feature6 records

Partnerships

31 partnerships are on record, tiered regional, flagship and core.

• PVSregionalStrategic or Co-development PartnerPVS is a regional fintech company operating in Latin America. Ant International has established a partnership with PVS to expand its cross-border payment services in the Latin American market, enabling merchants to access new payment capabilities and consumers to benefit from enhanced payment options.
• MastercardflagshipTechnology or IntegrationMastercard is a global payments technology company and one of the world's most recognized payment networks. Ant International has established a strategic partnership with Mastercard for payment processing, card network connectivity, and collaborative payment solutions across multiple markets and regions.
• Televisa-UnivisionregionalGTM or Marketing PartnerTelevisa-Univision is a leading media company in the Spanish-speaking world. Ant International partners with Televisa-Univision for marketing and promotional activities, particularly in Latin American markets where Televisa-Univision has significant reach among consumers and advertisers.
• Standard CharteredcoreTechnology or IntegrationStandard Chartered is a global banking and financial services institution operating in many of the same markets as Ant International. The partnership enables cross-border payment processing, settlement services, and collaborative financial solutions for shared corporate and institutional clients.
• DBS BankcoreTechnology or IntegrationDBS is a leading bank in Asia specializing in corporate and institutional banking services. Ant International works with DBS to provide cross-border payment infrastructure, treasury management solutions, and payment processing capabilities for corporate clients.
• CIMBregionalTechnology or IntegrationCIMB is a Malaysian investment bank and financial services provider operating across Southeast Asia. The partnership enables cross-border payment services and financial solutions for clients engaged in regional commerce within Southeast Asian markets.
• CitibankcoreTechnology or IntegrationCitibank is a global banking institution providing corporate and investment banking services worldwide. Ant International partners with Citibank for cross-border payment processing, settlement infrastructure, and corporate banking solutions serving multinational clients.
• HSBCcoreTechnology or IntegrationHSBC is one of the world's largest banking and financial services institutions with significant presence in Asia, Europe, and the Americas. The partnership provides cross-border payment infrastructure, settlement services, and collaborative financial solutions for corporate clients globally.
• SWIFTcoreTechnology or IntegrationSWIFT is the global messaging network used by financial institutions for cross-border payments and transactions. Ant International integrates with SWIFT to enable interoperability between its payment platforms and traditional banking systems worldwide.
• VisaflagshipTechnology or IntegrationVisa is one of the world's leading payment technology companies operating a global payments network. Ant International has established a partnership with Visa for payment processing, card network connectivity, and collaborative payment solutions across multiple markets.
• VietcombankregionalChannel Partner/ Reseller/ DistributorVietcombank is a major state-owned commercial bank in Vietnam. The partnership enables Ant International to offer payment services to Vietnamese consumers and merchants through Vietcombank's extensive branch and customer network.
• NAPASregionalTechnology or IntegrationNAPAS is Vietnam's national payment network and switching system. Ant International connects to NAPAS to enable interoperability between its payment platforms and Vietnam's domestic payment infrastructure.
• KBank (Kasikorn Bank)regionalChannel Partner/ Reseller/ DistributorKBank is one of Thailand's largest banks providing comprehensive financial services. The partnership enables cross-border payment services and digital payment solutions for Thai consumers and merchants through KBank's extensive network.
• GCashregionalTechnology or IntegrationGCash is a leading mobile wallet and financial services platform in the Philippines operated by Globe Telecom. The partnership enables GCash users to make and receive cross-border payments through Ant International's global payment network.
• DOKUregionalTechnology or IntegrationDOKU is an Indonesian payment gateway and financial technology company. The partnership enables DOKU to offer cross-border payment acceptance to merchants operating in Indonesia and serving international consumers.
• ArtajasaregionalTechnology or IntegrationArtajasa is an Indonesian electronic payment system operator. The partnership connects Artajasa's payment infrastructure to Ant International's global network, enabling cross-border payment services for Indonesian financial institutions.
• TNG DigitalregionalTechnology or IntegrationTNG Digital is a Malaysian digital payments and financial services company. The partnership enables TNG Digital's users and merchants to access Ant International's cross-border payment network for international transactions.
• International Finance Corporation (IFC)coreStrategic or Co-development PartnerIFC is a member of the World Bank Group focused on private sector development in emerging markets. The partnership supports Ant International's expansion into developing markets and enables financial inclusion initiatives through digital payments.
• AgodaregionalTechnology or IntegrationAgoda is a leading online travel company specializing in booking accommodations and travel services across Asia and globally. The partnership enables Agoda to offer diverse international payment options to travelers through Ant International's payment solutions.
• Trip.comregionalTechnology or IntegrationTrip.com is a major online travel agency providing booking services for flights, hotels, and travel packages globally. The partnership enables Trip.com to accept diverse international payment methods for travelers through Ant International's cross-border payment infrastructure.
• GooglecoreTechnology or IntegrationGoogle is a global technology company providing cloud infrastructure, artificial intelligence, and various digital services. Ant International leverages Google's technology infrastructure and cloud services to power its global payment operations.
• MicrosoftcoreTechnology or IntegrationMicrosoft is a global technology company providing cloud computing, enterprise software, and AI services. Ant International utilizes Microsoft's Azure cloud platform and enterprise solutions to support its payment infrastructure and digital services.
• Amazon Web Services (AWS)coreTechnology or IntegrationAWS is Amazon's cloud computing platform providing scalable infrastructure, database services, and machine learning capabilities. Ant International leverages AWS infrastructure to power its global payment processing and data analytics capabilities.
• NVIDIAcoreTechnology or IntegrationNVIDIA is a leading technology company specializing in graphics processing units, AI computing, and data center solutions. Ant International utilizes NVIDIA's AI and computing capabilities to enhance fraud detection, risk management, and payment processing capabilities.
• XPengregionalTechnology or IntegrationXPeng is a Chinese electric vehicle manufacturer integrating advanced technology into automotive design. The partnership enables XPeng to offer integrated payment solutions for vehicle purchases and services through Ant International's payment infrastructure.
• iFast Global BankregionalTechnology or IntegrationiFast Global Bank is a digital bank providing cross-border banking and wealth management services. The partnership enables iFast Global Bank to leverage Ant International's payment infrastructure for international transfers and cross-border transactions.
• AmundicoreStrategic or Co-development PartnerAmundi is one of Europe's largest asset management companies. The partnership enables Ant International to offer integrated wealth management and investment services to its customers through Amundi's asset management capabilities.
• CACEISregionalStrategic or Co-development PartnerCACEIS is a French asset servicing provider specializing in custody, fund administration, and investor services for financial institutions. The partnership enables Ant International to offer integrated financial services through CACEIS's asset servicing infrastructure.
• easypaisaregionalTechnology or Integrationeasypaisa is Pakistan's leading mobile money and digital payments platform. The partnership enables easypaisa users to access Ant International's global payment network for cross-border transactions and international payment acceptance.
• BENEFITregionalTechnology or IntegrationBENEFIT is Bahrain's national electronic bill presentment and payment company. The partnership connects BENEFIT's payment infrastructure to Ant International's global network, enabling cross-border payment services for Bahrain and the Gulf region.
• MTN GroupregionalTechnology or IntegrationMTN Group is a pan-African telecommunications company with operations across 21 countries. The partnership enables MTN mobile money users to access Ant International's cross-border payment network for international transactions.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Stripe: Global payment infrastructure provider offering unified APIs for online payment acceptance across hundreds of payment methods and currencies. Stripe and Ant International compete for the same enterprise merchants seeking global, multi-method payment acceptance at scale.
• Adyen: Enterprise payment platform providing unified global payment processing across cards, local payment methods, and currencies for large merchants. Adyen's single-integration approach directly parallels Antom's value proposition of 300+ methods through one API.
• Wise: Cross-border payments and multi-currency account specialist serving consumers and SMEs with low-cost international transfers. WorldFirst competes directly with Wise in the SME cross-border B2B payments space, particularly in Asia-Latam corridors.
• PayPal: Global digital payments platform serving consumers, merchants, and developers with online and cross-border payment capabilities. PayPal and Alipay+ compete for the same global merchants and digital wallet interoperability use cases.
• Checkout.com: Global payment processor providing unified payment acceptance, optimization, and FX services to enterprise merchants. Competes directly with Antom for large merchants requiring multi-method, multi-currency processing.
• Payoneer: Cross-border payment and working capital platform for SMBs, marketplaces, and freelancers. Payoneer and WorldFirst compete for the same international SMB and marketplace settlement customer segment.
• Remitly: Digital remittance platform serving immigrant and underbanked populations with cross-border money transfers. Alipay+'s wallet-to-merchant interoperability overlaps with Remitly's emerging-market corridor focus.

Broad incumbents

• Visa: Global card network and emerging payments technology company (Visa Direct for cross-border P2P and B2B). Visa is both a flagship partner and broad competitor as it expands into card-based cross-border and FX settlement spaces adjacent to Ant International's rails.
• Mastercard: Global payments network with Mastercard Move, a multi-rail cross-border B2B and P2P solution. Mastercard is both a flagship partner and broad competitor as it scales card-based and account-based cross-border capabilities that overlap with Alipay+/Antom.

Emerging players

• Ripple: Enterprise blockchain-based cross-border payments provider (RippleNet, RLUSD stablecoin). Ripple competes with Whale and Ant International's tokenized treasury efforts in the institutional cross-border settlement and liquidity management space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ant-international
• Xx.com/Ant_Intl

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries6 records

Funding overview

Funding rounds1 record

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ant International