antintl

What antintl does

Ant International, founded in 2015 and headquartered in Singapore, is a subsidiary of Ant Group that provides cross-border digital payment, merchant digitization, and financial technology services to global businesses seeking to access Asian markets and to SMEs seeking cross-border trade capabilities. The company operates a multi-brand platform: Alipay+ (cross-border payment technology connecting international e-wallets and 35+ mobile payment methods across 220+ markets), Antom (payment acquiring supporting 300+ methods), WorldFirst (multi-currency fund management for 1.6M+ SMEs across 210+ markets and 130+ e-commerce platforms), Bettr (digital credit and banking with 980,000+ users and 110,000+ MSME customers), ANEXT Bank (a Singapore-licensed digital bank for MSMEs), and 2C2P (Southeast Asia payment acquiring). The portfolio serves primary customer segments including SMEs, global e-commerce platforms, banks and financial institutions, and tourism/hospitality businesses, with secondary focus on MSMEs in emerging markets and Asian digital wallet users.

The company monetizes primarily through transaction fees on cross-border payment processing, licensing of payment technology to banks and acquirers, FX and treasury management services, and digital banking/credit services. Go-to-market relies heavily on institutional partnerships — Amazon, eBay, Alibaba, PayNet Malaysia, IFC, GCash, DANA, and global banks/acquirers — supplemented by a high-profile sports sponsorship portfolio (Tottenham Hotspur, FC Barcelona, Argentina national team, New York Liberty, Laver Cup, Carlos Alcaraz, Sabrina Ionescu). Underlying proprietary technology includes the Falcon AI FX Forecasting Solution (8.5B+ data parameters, 93%+ forecast accuracy), AI-driven risk management (50% fraud reduction across 16 partners), blockchain-based liquidity management (53%+ of the company's own liquidity funds), and the Voyager AI Agent deployed across 7 wallets. Operational footprint spans 30+ offices across Asia, Europe, Middle East, Latin America, Oceania, and North America.

Name

antintl

Legal name

Ant International

Website

https://ant-intl.com

Company type

Private

Founded year

2015

Operating status

Operating

Short description

Ant International, a Singapore-based subsidiary of Ant Group, provides cross-border digital payment, merchant digitization, and fintech services — operating Alipay+, Antom, WorldFirst, Bettr, and ANEXT Bank to connect global merchants and SMEs with Asian payment ecosystems across 220+ markets.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Technology

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

akta.pro primary industry

Cross-Border & FX Payments Platforms (BPAMAFAK)

akta.pro secondary industries

Cross-border Payments, FX & Multi-currency Checkout (CRAFAJAF), Alternative Payment Methods (APMs) & Local Rails (ACH/SEPA/UPI, etc.) (CRAFALAG), Merchant Acquiring & Processing Platforms (BPAMAFAB), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Cross-border payments
• Payment processing technology
• Merchant acquiring services
• Digital banking solutions
• Embedded finance platforms

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices27 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Cross-border Payment Processing: Transaction fees from processing cross-border digital payments between global merchants and Asian consumers through Alipay+ and Antom platforms.
2. E-commerce Fund Collection Services: Multi-currency account services and settlement solutions for SMEs selling on global e-commerce platforms through WorldFirst, supporting over 130 e-marketplaces.
3. Payment Technology Solutions: Licensing and integration fees for payment technology solutions provided to banks, payment networks, and merchant acquirers.
4. FX and Treasury Management Services: Foreign exchange services and treasury management solutions leveraging Falcon AI technology for enterprise clients.
5. Digital Banking and Credit Services: Digital banking services through ANEXT Bank targeting MSMEs, and credit services through Bettr.

Go-to-market motion3 records

Distribution channels6 records

Marketing channels5 records

Core offering

Ant International provides cross-border digital payment infrastructure and merchant digitisation technology, connecting global merchants, e-commerce platforms, banks, and SMEs to Asian consumer payment ecosystems. Its portfolio of payment technology, acquiring services, multi-currency funds management, and digital banking/credit services enables businesses to accept international mobile payment methods, settle in multiple currencies, and access MSMEs across Asia, Europe, the Middle East, and Latin America.

Product overview

Ant International is a leading global digital payment and fintech provider operating a multi-brand platform architecture. The core offerings include Alipay+ (cross-border payment technology connecting international e-wallets), Antom (payment acquiring with 300+ methods), WorldFirst (SME-focused cross-border funds management), and Bettr (credit services and digital banking). These products work together through shared technology infrastructure: Alipay+ and Antom handle merchant-facing payment acceptance while WorldFirst manages SME treasury and multi-currency needs, and Bettr provides embedded credit and banking services. Supporting technologies include Falcon AI FX Forecasting Solution for treasury optimization and Voyager AI Agent for automated services. The portfolio spans payment technology, acquiring services, SME financial services, and digital banking across Asia, Europe, Middle East, and Latin America.

Differentiator

Problem solved

Functional benefit

Products and services

• Alipay+ Cross-border payment technology suite enabling merchants to accept payments from international e-wallets and mobile payment methods. Connects over 35 mobile payment methods and 50+ wallet partners enabling seamless transactions across 220+ markets.
• Antom Payment and acquiring services providing merchants with access to 300+ payment methods globally, supporting cross-border commerce and multi-currency settlement.
• WorldFirst Cross-border funds management platform for SMEs offering multi-currency accounts, supporting 100+ currencies and connecting to 130+ e-commerce platforms for fund collection across 210+ markets.
• Bettr Credit services and digital banking platform serving 30+ million eligible users across 20 markets, providing embedded finance solutions and MSME banking with 980,000+ total users and 110,000+ MSME customers.
• ANEXT Bank Digital bank incorporated in Singapore as one of the country's first digital banks, focused on serving regional Micro, Small and Medium Enterprises (MSMEs) in Asia.
• Falcon AI FX Forecasting Solution AI-powered foreign exchange forecasting and treasury optimization solution leveraging over 8.5 billion data parameters to achieve over 93% FX forecast accuracy, helping businesses reduce hedging costs by up to 40%.
• Alipay+ Rewards Marketing tool enabling brands to engage consumers aged 20-35 through gamification and loyalty programs, driving subscription and retention for merchants.
• Voyager AI Agent AI agent technology for wallet services, enabling automated travel-related financial services across partner wallets.
• Bettr Credit Services Digital credit and financial services platform providing accessible financing options including Islamic finance solutions through partnerships like Muslim Pro for Umrah financing.

Quantifiable outcome

• Up to 40% reduction in FX hedging costs for enterprise clients using Falcon AI solution
• +5 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability8 records

Feature7 records

Partnerships

20 partnerships are on record, tiered core, flagship and minor.

• PayNet (Payments Network Malaysia)coreStrategic or Co-development Partner · 1 May 2026MoU partnership to strengthen fraud defenses integrating DuitNow QR with Alipay+ and establishing cross-border scam defense framework with AI-driven security.
• IFC (International Finance Corporation)flagshipStrategic or Co-development Partner · 21 April 2026Pioneered first-of-its-kind sustainability impact scorecard with GCash to expand MSME access to sustainable financing, combining ESG metrics with credit assessment.
• GCashflagshipStrategic or Co-development Partner · 21 April 2026Collaborative partnership with IFC to develop sustainability impact scorecard enabling MSMEs to access sustainable financing through digital finance.
• New York Liberty (WNBA)coreGTM or Marketing Partner · 21 April 2026Alipay+ official sponsor and innovation partner for sustainability, supporting 2026 season and sustainability initiatives.
• DANAcoreStrategic or Co-development Partner · 17 November 2025Launched Ocean Buddy in-app mini-program engaging DANA's 200 million users in marine conservation as part of Project Sirius and AquaViva initiative.
• Konservasi IndonesiacoreStrategic or Co-development Partner · 1 September 2025Partner in Ocean Buddy development for marine conservation efforts in Indonesia, supporting whale shark habitat protection.
• Conservation InternationalflagshipStrategic or Co-development Partner · 1 November 2024Global marine conservation collaboration unveiled at COP29 to protect whale sharks and marine ecosystems combining digital platforms, AI technology, and conservation science.
• AmazoncoreChannel Partner/ Reseller/ DistributorGlobal e-commerce partnership enabling SMBs to access Amazon marketplaces worldwide through WorldFirst payment and settlement services.
• eBaycoreChannel Partner/ Reseller/ DistributorPartnership providing integrated multi-currency accounts and fund collection services for eBay sellers, reducing settlement and FX costs.
• AlibabacoreChannel Partner/ Reseller/ DistributorPartnership with Alibaba enabling SMBs to integrate with Alibaba platforms and access cross-border payment services through WorldFirst.
• Muslim ProcoreStrategic or Co-development PartnerPartnership with Muslim Pro (150M+ downloads) launching embedded finance solution for Umrah financing, promoting financial inclusion for the global Muslim community.
• Capital A (AirAsia)coreTechnology or IntegrationDeployed Falcon AI FX Forecasting Solution across Capital A's multi-currency treasury operations, achieving up to 40% reduction in FX hedging costs.
• Infocomm Media Development Authority (IMDA) SingaporecoreStrategic or Co-development PartnerPartner of Digital for Life movement supporting digital inclusion and wellness initiatives in Singapore, recognized for driving digital inclusion.
• DANA (SisBerdaya Programme)coreStrategic or Co-development PartnerSisBerdaya programme providing mentoring, skills training, and cash prizes to women entrepreneurs in Indonesia, training 5,000 women MSME entrepreneurs including 50 persons with disabilities.
• 10x1000.org (Tech for Inclusion)coreStrategic or Co-development PartnerTechnology for Inclusion Program with 9,504 certified learners across 82 developing markets, 55% female participation, empowering over 16,000 women.
• OceanXminorStrategic or Co-development PartnerPartnership supporting OceanX Residents including PhD researcher Nada pioneering sustainable seagrass restoration techniques.
• Tottenham HotspurcoreGTM or Marketing PartnerSports sponsorship connecting global business community through sports values of teamwork, determination, and leadership.
• Argentina National Football TeamcoreGTM or Marketing PartnerSports sponsorship leveraging global football influence to connect with diverse cultures and business communities worldwide.
• FC BarcelonacoreGTM or Marketing PartnerSports sponsorship connecting the brand with global football community and European markets.
• Laver CupminorGTM or Marketing PartnerAlipay+ official payment partner of Laver Cup, international tennis tournament connecting with premium sports audience.

Scale indicators36 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• Airwallex: Airwallex provides global business accounts, cross-border payments, FX, and merchant payment acceptance. It is a direct peer because it serves the same cross-border commerce and treasury workflows as Ant International's Alipay+, Antom, and WorldFirst products.
• Stripe: Stripe is a global payments platform for online and cross-border commerce, offering payment acceptance, local methods, payouts, and treasury infrastructure. It is comparable to Antom and Alipay+ in merchant-facing payment processing and embedded payment infrastructure.
• Wise: Wise offers international transfers, multi-currency accounts, and FX services for consumers and businesses. It directly overlaps with WorldFirst's cross-border collection and treasury use cases, although Wise is more transfer-centric.
• Payoneer: Payoneer provides cross-border payments, marketplace payouts, and multi-currency accounts for global businesses and sellers. It directly overlaps with WorldFirst's SME e-commerce fund collection and FX platform.
• dLocal: dLocal enables merchants to accept local payment methods and pay out across emerging markets, with cross-border processing and FX. It directly overlaps with Ant International's local-rail and emerging-market acceptance strategy, though dLocal is more regionally focused.
• Rapyd: Rapyd provides global payment processing, local payment methods, payouts, and fintech-as-a-service infrastructure. It is a direct peer to Antom and Alipay+ in cross-border payment orchestration and wallet infrastructure.
• Thunes: Thunes operates a cross-border payments network connecting financial institutions, mobile wallets, and businesses. It is a direct peer to Alipay+ in wallet-based cross-border acceptance and real-time payment connectivity.
• PingPong: PingPong offers cross-border payment, collection, and FX services to e-commerce merchants and platforms. It directly overlaps with WorldFirst and Antom's SME cross-border commerce use cases.

Broad incumbents

• PayPal: PayPal operates a global wallet, merchant acquiring, and cross-border payment network. It is a broad incumbent comparable to Alipay+ in wallet acceptance and international merchant payments, although its consumer ecosystem is wider.
• Adyen: Adyen is a global payment processor and acquirer serving merchants with local payment methods and unified commerce infrastructure. It is a broad incumbent comparable to Antom in merchant acceptance, acquiring, and cross-border processing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ant-international
• Xtwitter.com/ant_intl

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles19 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about antintl