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Inside Ant International's Treasury Platform: How Whale, Bettr, and AI Are Rewiring Global Liquidity

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  Published in Business and Finance on Saturday, December 13th 2025 at 22:28 GMT by Forbes

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Inside Ant International’s Treasury Platform: How Whale, Bettr, and AI are Rewiring Global Liquidity
(Forbes, December 13, 2025 – a comprehensive look at the cutting‑edge technology driving Ant International’s global treasury ecosystem)

1. The New Reality of Global Treasury

In today’s hyper‑connected financial world, corporate treasurers are juggling a dizzying array of currencies, settlement systems, and regulatory regimes—all while trying to keep cash flow smooth and costs low. Ant International, the treasury arm of Ant Group, has answered this call with a single, integrated platform that blends blockchain, AI, and real‑time data analytics to give companies a 360‑degree view of their liquidity.

The article begins by framing the challenge: traditional liquidity management is still tethered to legacy SWIFT and correspondent banking networks, which can lag behind real‑time market conditions and expose firms to unnecessary currency risk. Ant International’s solution, the “Global Treasury Platform,” seeks to dissolve those friction points.

2. Whale: The Blockchain‑Backed Liquidity Network

At the heart of the platform lies Whale, an open‑ledger network that connects institutional liquidity providers, banks, and corporates in a single, trustless marketplace. Whale’s technology builds on the Ethereum‑layer‑2 roll‑up that Ant Group pioneered in 2023, allowing instant, tamper‑proof settlement of cross‑border payments.

Key Features

• Zero‑Latency Settlement: Transactions confirm in seconds, eliminating the days that typically plague SWIFT transfers.
• Transparent Pricing: Smart contracts enforce agreed rates, eliminating hidden fees and enabling real‑time discounting.
• Interoperability: Whale supports both fiat and digital assets, giving companies the flexibility to use stablecoins or tokenised securities as part of their liquidity strategy.

The article links to Whale’s own whitepaper (https://whale.network/whitepaper) for technical details, noting that the platform has already processed more than $3 trillion in volume in its first 18 months.

3. Bettr: AI‑Driven Liquidity Matching

While Whale handles the mechanics of settlement, Bettr provides the brain. Bettr is Ant International’s proprietary AI engine that predicts liquidity needs, optimises cash allocation, and matches corporates with the best funding sources.

Core Capabilities

• Predictive Forecasting: Using machine learning models trained on historical cash flows, macro‑economic indicators, and market sentiment, Bettr can forecast a company’s liquidity position up to a year ahead.
• Optimal Routing: The engine evaluates multiple funding channels—bank lines, market lenders, and even intra‑group credit—and recommends the most cost‑efficient route.
• Risk Scoring: Bettr assesses counterparty credit risk and regulatory exposure in real time, flagging potential breaches before they happen.

For deeper insight, the article directs readers to Bettr’s technical blog post (https://bettr.ai/tech-blog) and to a webinar on “AI in Treasury” hosted by Ant International last month (https://antintl.com/webinars/ai-treasury).

4. AI‑Powered Analytics and Compliance

Beyond matching, Ant International’s platform incorporates a suite of analytics dashboards that feed into the company’s treasury risk management framework. Leveraging natural language processing, the platform can parse regulatory documents—such as Basel III and FATF guidelines—to ensure that all liquidity decisions remain compliant.

The article quotes a senior treasury officer, who says, “The real advantage is that we can now run a compliance audit in real time, with AI automatically tagging any transaction that falls outside our policy parameters.”

5. Architecture: From Front‑End to Settlement

Ant International’s architecture is modular, allowing enterprises to plug the platform into their existing ERP or Treasury Management System (TMS). The front‑end UI is built on React and connects to Ant’s secure API layer, which in turn talks to Whale’s smart contracts and Bettr’s inference engine via gRPC.

The article provides a diagram (see Figure 1) that illustrates the flow:

1. Data Ingestion – ERP feeds cash flow data.
2. Forecasting – Bettr predicts needs.
3. Routing – Bettr suggests channels.
4. Settlement – Whale executes payment.
5. Compliance Check – AI verifies adherence.

6. Use Cases & Tangible Benefits

The piece highlights three real‑world use cases:

These examples underscore the platform’s versatility across industry verticals.

7. Regulatory Landscape

Ant International acknowledges the regulatory scrutiny that comes with a blockchain‑based treasury solution. The platform adheres to the EU’s MiCA (Markets in Crypto‑Assets) regulation, the U.S. SEC’s guidance on digital asset custody, and China’s tightening on cross‑border payments.

A compliance officer notes, “We’ve embedded real‑time monitoring tools that automatically adjust our protocols to align with new regulatory announcements.”

8. The Road Ahead

Looking forward, Ant International plans to expand Whale’s network to include more emerging‑market banks and to introduce a “Liquidity Marketplace” where corporates can auction surplus cash in near real‑time. Bettr is slated to integrate reinforcement learning models that will adapt to changing market conditions autonomously.

The article concludes by positioning Ant International’s platform not just as a product, but as an ecosystem that is redefining how global liquidity is managed in the age of fintech.

Takeaway: Ant International’s treasury platform, powered by Whale’s blockchain settlement and Bettr’s AI‑driven decision engine, is transforming the liquidity landscape. By offering real‑time settlement, predictive forecasting, and automated compliance, the platform delivers tangible cost savings, risk reduction, and strategic agility for modern enterprises. The article serves as both a technical deep‑dive and a market‑watching guide for anyone interested in the future of corporate treasury.