# Bettr Finance > Financial services made Bettr. Where MSMEs grow, partners scale and you thrive. Bettr’s financial services solutions empower businesses and individuals alike with growth opportunities. Through innovation-led technology and open collaborations --- ## Pages - [Articles](https://www.bettr.com/resources/articles/): All Articles Guide Industry applications All Credit Tech Embedded Finance Real-Time Treasury Management All Cross-Border Trade Ecommerce Finance All - [Resources](https://www.bettr.com/resources/): Resources Get ahead with Bettr insights, use cases & industry trends Latest Articles View All View All Customer Success Story - [About Us](https://www.bettr.com/about-us/): Bettr for SMEs Consumers Partners Enterprises Bettr by Ant international is a market leader in leveraging innovation-led technology to drive... - [Home](https://www.bettr.com/): Financial services made Bettr. Where MSMEs grow, partners scale and you thrive. Bettr’s financial services solutions empower businesses and individuals... - [Industry - Online Travel Agent](https://www.bettr.com/industries/online-travel-agents/): Scale Your Online Travel Agency’s Financial Operations Across Borders Stabilise margins in a volatile FX market We help travel agencies... - [Industry - eCommerce Platform](https://www.bettr.com/industries/e-commerce/): Flexible Financing Solutions for E-Commerce Platforms Empowering Platforms and Sellers with Seamless Access to Growth Capital We help platform sellers... - [Industry - Cross Border Trade](https://www.bettr.com/industries/cross-border/): Powering Cross-Border Finance Without Limits Flexible Financing and Credit Solutions for Global Brands, Platform Sellers and Service Providers Our multi-currency... - [Industry - Airlines](https://www.bettr.com/industries/airlines/): Enterprise-Grade FX and Treasury Solutions for Airlines Keep Your Airline’s Revenue on a Steady Flight Path Airlines risk revenue losses... - [Industries](https://www.bettr.com/industries/) - [Treasury Management](https://www.bettr.com/enterprise/real-time-treasury/): Championing The Future of Money Movement Real-time, AI-powered solutions that empower institutions and businesses to operate effortlessly across borders. Smarter... - [Credit Solutions](https://www.bettr.com/enterprise/credit-solutions/): One-stop Credit Tech Solutions From launch to growth, our solutions are designed to help you scale seamlessly, improve user engagement... - [Industry - Bank Finance](https://www.bettr.com/industries/banking-finance/): Redefining Finance for Banks and Their Customers Unlocking Efficiency in Finance Across Credit and Treasury Operations We deliver innovative financing... - [Local Financing](https://www.bettr.com/local-financing/): Brazil Quick and simple capital to boost your business Access funding options through seamless, partner-integrated financing solutions Empowering Growth with... - [Credit Score](https://www.bettr.com/credit-scoring/): Empowering Partners with Locally-Adapted Credit Scoring Our AI-driven credit scoring solutions tailored for the Indonesian market – leveraging alternative local... - [Enterprise](https://www.bettr.com/enterprise/): Powering Financial Innovation at Enterprise Scale BettrEnterprise’s suite of solutions allows you to integrate Ant International’s proven credit and platform... - [Contact Us](https://www.bettr.com/contact-us/): How can we help? Looking to learn more about our platform and products? Let’s connect and explore how we can... - [Newsroom](https://www.bettr.com/newsroom/): All News - [Embedded Finance](https://www.bettr.com/embedded-finance/): Avail Financing on Your Platform for Your Users One stop solution for availing end-to-end financing directly on your platform Help... - [Financing](https://www.bettr.com/financing/): Get Financing When You Need It Financing Built Around Your Needs Skip the hassle of traditional loans. With financing that’s... - [Partner - AliExpress](https://www.bettr.com/partner-aliexpress/): Flexible Financing Made for AliExpress Sellers Through our partnership with AliExpress, Bettr makes it easier for merchants to access fast,... --- ## Posts --- ## Newsrooms - [Ant International Becomes Official Sponsor of The Argentine National Football Team](https://www.bettr.com/newsroom/ant-international-becomes-official-sponsor-of-the-argentine-national-football-team/): Through the partnership, Ant International secures comprehensive marketing rights of the Argentine Football Association (AFA) and world-class players of the... - [CIMB and Ant International form strategic partnership to enhance cross-border payments and liquidity management solutions for businesses in Malaysia](https://www.bettr.com/newsroom/cimb-ant-strategic-partnership-enhance-cross-border-payments-and-liquidity-management-solutions/): CIMB Group Holdings Berhad (“CIMB” or “the Group”) and Ant International today announced the signing of a Memorandum of Understanding... - [Citi and Ant International Pilot AI-enabled Forecasting Solution to Enhance FX Risk Management for Airline Customers](https://www.bettr.com/newsroom/citi-and-ant-international-pilot-ai-enabled-forecasting-solution-to-enhance-fx-risk-management-for-airline-customers/): Citi and Ant International announced today that they are piloting the use of Ant International’s Falcon Time-Series Transformer (TST) Model... - [Ant International and DBS Recognized for Secure, Smart-Contract-Driven Treasury Tokens at 2025 Triple A Treasurise Awards](https://www.bettr.com/newsroom/new-features-in-bettr-money-movement-2/): Ant International was recently awarded with the Best Payments and Collections Solution for our collaboration with DBS, at The Asset’s... - [ISDA and Ant International Lead New Industry Report on use of Tokenised Bank Liabilities for FX Settlement and Cross-Border Payments under Project Guardian](https://www.bettr.com/newsroom/partnership-announcement-with-local-businesses-2/): Report builds on shared ledger technology and industry expertise of the co-leads as well as members of the Project Guardian... - [HSBC and Ant International Celebrate the Launch of the Bank's Tokenised Deposit Service in Singapore](https://www.bettr.com/newsroom/partnership-announcement-with-local-businesses/): Following the successful launch in Hong Kong last month, Ant International hosted the launch of HSBC’s Tokenised Deposit Service at... - [Ant International Empowers Partners to Serve Over 15 Million Customers Globally with Intelligent Credit Tech Solutions](https://www.bettr.com/newsroom/ant-international-empowers-partners-to-serve-over-15-million-customers-globally-with-intelligent-credit-tech-solutions/): Ant Credit Engine helps financial service providers make faster and smarter credit decisions at scale São Paulo – Through its... - [Deutsche Bank and Ant International Announce Strategic Partnership to Provide Integrated Cross-Border Payment Solutions to Global Merchants](https://www.bettr.com/newsroom/new-features-in-bettr-money-movement/): From Left to Right: Sabih Behzad, Head of Digital Assets & Currencies Transformation for Deutsche Bank, Chintan Shah, Head of... - [Ant International Launches Tokenised Deposit Solutions for Real-Time Treasury Management with HSBC](https://www.bettr.com/newsroom/ant-international-launches-tokenised-deposit-solutions-for-real-time-treasury-management-with-hsbc/): Lewis Sun, Global Head of Domestic and Emerging Payments, Global Payments Solutions, HSBC (fourth from right) Kelvin Li, General Manager... - [Ant International Partners with Barclays on Global Treasury Management with Proprietary AI-Powered FX Model](https://www.bettr.com/newsroom/ant-international-partners-with-barclays-on-global-treasury-management-with-proprietary-ai-powered-fx-model/): The Time-Series Transformer AI FX Model forecasts cashflow and FX exposure with more than 90% accuracy, helping businesses reduce FX-related... - [Ant International Launches Embedded Finance Service for E-Commerce SMEs in Brazil](https://www.bettr.com/newsroom/ant-international-launches-embedded-finance-service-for-e-commerce-smes-in-brazil/): Collaborating with AliExpress and local partners to provide SME financing, support local economy São Paulo – Bettr, a leading AI-driven... --- ## Resources - [Barclays Case : Revolutionise Treasury Management with AI](https://www.bettr.com/resource/article/barclays-case-revolutionise-treasury-management-with-ai/): ～60% Hedging cost savings >90% Forecast accuracy 24/7 Reliability “Ant International’s state-of-the-art AI model has improved the accuracy of forecasting... - [The 5C’s in the Digital Era: A New Blueprint for Smarter Credit Risk Assessment](https://www.bettr.com/resource/article/5cs-for-smarter-credit-risk-assessment/): For decades, the 5C’s of credit decisioning have anchored how lenders assess risk. Character, Capacity, Capital, Collateral and Conditions have... - [Tokenisation: What It Is and How It's Revolutionising Payments](https://www.bettr.com/resource/article/tokenisation-what-it-is-and-how-its-revolutionising-payments/): Introduction Global commerce is growing faster than the infrastructure that moves money around. Cross-border payment flows are expected to reach... - [Manage FX using AI to mitigate risk and optimise cost](https://www.bettr.com/resource/article/manage-fx-using-ai-to-mitigate-risk-and-optimise-cost/): Imagine managing thousands of payments every single day across currencies and continents. That’s the reality for treasury management teams in... - [Buy or Build Your Credit Engine? The Trade-Offs That Really Matter](https://www.bettr.com/resource/article/buy-or-build-your-credit-engine-the-trade-offs-that-really-matter/): Who determines loan approvals, credit ceilings, and portfolio exposure today? For most modern businesses, the answer is a credit engine... - [Embedded Lending and What It Means to E-commerce Platforms](https://www.bettr.com/resource/article/embedded-lending-and-what-it-means-to-e-commerce-platforms/): The financial landscape around retail is changing rapidly. Services that were once traditionally owned by banks – managing credit, enabling... - [How Embedded Finance Turns Platforms into Growth Engines](https://www.bettr.com/resource/article/how-embedded-finance-turns-platforms-into-growth-engines/): Who says banking services should be left to the banks? Loans and payment services are no longer delivered by banks... - [Credit Engine: Smarter Credit Services for Smarter Lending](https://www.bettr.com/resource/article/credit-engine-smarter-credit-services-for-smarter-lending/): In many parts of the world, access to credit remains a challenge for billions of MSMEs and individuals due to... - [Which Embedded Lending Product Fits Your Platform? 4 Options Explained](https://www.bettr.com/resource/article/which-embedded-lending-product-fits-your-platform-4-options-explained/): Your platform’s success is tied to how well your users can grow. But growth can be a daily struggle for... - [How AI is Reshaping Financial Services](https://www.bettr.com/resource/article/how-ai-is-reshaping-financial-services/): Once defined by high barriers and low flexibility, the financial industry is now shifting toward an era of intelligence and... - [How Bettr Treasury Management Helped Capital A Slash FX Hedging Costs by 40%](https://www.bettr.com/resource/article/how-bettr-treasury-management-helped-capital-a-slash-fx-hedging-costs-by-40/): >40% Hedging cost savings >90% Forecast accuracy 24/7 Reliability “Bettr’s treasury management platform helps Capital A to reduce FX costs,... --- ## Success Story - [How Bettr Treasury Management Helped Capital A Slash FX Hedging Costs by 40%](https://www.bettr.com/resource/success-story/how-bettr-treasury-management-helped-capital-a-slash-fx-hedging-costs-by-40/): >40% Hedging cost savings >90% Forecast accuracy 24/7 Reliability “Bettr’s treasury management platform helps Capital A to reduce FX costs,... --- # # Detailed Content ## Pages All Articles Guide Industry applications All Credit Tech Embedded Finance Real-Time Treasury Management All Cross-Border Trade Ecommerce Finance All --- Resources Get ahead with Bettr insights, use cases & industry trends Latest Articles View All View All Customer Success Story --- Bettr for SMEs Consumers Partners Enterprises Bettr by Ant international is a market leader in leveraging innovation-led technology to drive inclusive growth. Through collaborations and partnerships, Bettr breaks down barriers to make financial services more accessible and the global economy more inclusive through innovation-led technology. Credit Services Treasury Management 22M users globally. $4B+ in loans supporting multi-currencies disbursed. >40 partners currently use Bettr to avail financing on their platforms. >US$600B annual settlement volume through blockchain-based real-time payments. 100+  currencies supported. >16 partners comprising of leading financial institutions to enable real-time payments. Drive Inclusive Growth Opportunities For All For Banks and Financial Institutions Enable transfer of funds seamlessly across borders, offering unmatched speed, global reach, and scalability We manage liquidity and FX exposure with AI-powered and blockchain-based solutions, turning treasury operations into strategic growth opportunities. Learn more about how Bettr's real-time treasury solutions unlocks growth for Capital A. Learn More 01 For End Consumers Empowering everyday purchases with flexible financing We partner with leading digital platforms to provide consumers access to responsible credit options, embedded directly at checkout of e-commerce platforms. Learn more about how Bettr partners with AliExpress Brazil to avail Bettr Buy Now Pay Later to its customers. 02 For MSMEs Fueling growth for micro and small businesses We help MSMEs across different industries access funding to scale operations, manage working capital, and grow sustainably. Learn more about how Bettr partners with Dowsure to avail Bettr Working Capital to Amazon merchants in Vietnam. 03 For Digital Platforms Credit services... --- Financial services made Bettr. Where MSMEs grow, partners scale and you thrive. Bettr’s financial services solutions empower businesses and individuals alike with growth opportunities. Through innovation-led technology and open collaborations and partnerships, we enable and scale access to financial service, building a more inclusive global economy for all. This is our journey to becoming Bettr, and it can become yours too. Join us in a world where innovation meets inclusion. Let’s create a future where everyone can thrive. Financing Inclusive and flexible financing for MSMEs Bettr aims to deliver a convenient, affordable and digital-first financing experience for all. Explore More Embedded Finance for Partners Delivering up to 80% approval rates through embedded finance with our partners Bettr integrates seamlessly with our partners to unlock financing capabilities to meet their customer needs and strengthen engagement. Explore More Credit Tech Solutions Powering your credit journey from start to success Our one-stop credit solutions from launch to scale help to serve your customers better, grow faster and achieve long-term business results. Explore More Real-Time Treasury Solution Time-Series Transformer Model reinvents FX risk management Our model predicts FX and cash flow exposure with AI-powered precision, enabling banks and their customers to manage FX risks in real time. Explore More Bettr Settlement Token Latest innovation in optimising global real-time treasury operations Tokenised e-money for wholesale transactions within Ant International’s ecosystem to redefine efficiency in global real-time payments. Learn More Grow Around the World We help your business expand with confidence. Whether you’re a startup or... --- Scale Your Online Travel Agency’s Financial Operations Across Borders Stabilise margins in a volatile FX market We help travel agencies hedge against currency swings, protecting profitability and ensuring consistent returns regardless of where customers book from. Tailored Solutions for Online Travel Agents (OTAs) Real-Time Treasury Management Enables OTAs process ticket sales, refunds and supplier settlements in real-time across currencies and regions. AI-Powered FX Solutions Helps OTAs reduce currency volatility, manage complex FX exposures and protect margins on international bookings by locking in accurate exchange rates at the point of sale. Ready to equip your travel platform with smarter solutions? Connect with us today to get started. Contact Us --- Flexible Financing Solutions for E-Commerce Platforms Empowering Platforms and Sellers with Seamless Access to Growth Capital We help platform sellers manage cash flow, mitigate FX risk and scale into global markets through multi-currency financing and innovative technology solutions. Suite of Solutions Powering Global E-Commerce Players Real-time Treasury Management Enables platforms to manage high-volume, cross-border transactions with faster settlements and transparent fund transfers for sellers and buyers worldwide. AI-Powered FX Solutions By predicting cash flow and FX exposure, platforms can offer accurate, localised pricing to international customers which helps to reduce costs while protecting margins on cross-border sales. Embedded Finance Gives your sellers access to flexible funding by seamlessly integrating financing directly into your platforms. Financing solutions we offer together include working capital, accounts receivables, Pay Later, and revenue-based financing. Software-as-a-Service: Loan Management System Enables e-commerce platforms to offer and scale their lending business models. Our solution is capable of managing a high volume of loan accounts and offers flexible configurations to streamline operations. Software-as-a-Service: Credit Engine Enables e-commerce partners to assess, forecast and make smarter credit decisions with greater efficiency, accuracy and speed. Software-as-a-Service: Collection Management System Improves collection recovery rates by supporting multi-collection channels to protect your platform's profitability and reduce overall risks. Data-as-a-Service Helps platforms evaluate new sellers more accurately and expand financing to underserved cross-border businesses by leveraging on alternative credit data and AI-powered scoring. Risk-as-a-Service Helps platforms manage credit risks and streamlines lending operations by leaning on our team's expertise in risk management. Ready to supercharge... --- Powering Cross-Border Finance Without Limits Flexible Financing and Credit Solutions for Global Brands, Platform Sellers and Service Providers Our multi-currency financing and AI-powered credit tech aim to streamline cross-border payments and lending. They seamlessly integrate across diverse trade scenarios from e-commerce, payment service providers (PSP), logistics and more. Smarter Financial Solutions for Global Trade and Payments Embedded Finance Helps enterprises manage liquidity, optimise working capital and access funding across international markets with ease. Financing solutions we offer together include working capital, accounts receivables, Pay Later, and revenue-based financing. Software-as-a-Service: Loan Management System Supports your ambition to offer financing for your cross-border businesses. Our solution has the capacity to manage large volume of lending accounts and streamlines your operations seamlessly. Software-as-a-Service: Credit Engine Empowers businesses to extend credit confidently across borders by leveraging our AI-powered decisioning built using alternative and global data. Software-as-a-Service: Collection Management System Reduces cross-border losses and loan delinquencies by offering multi-collection channels to enhance collection performance. Data-as-a-Service Helps platforms evaluate your new customers more accurately using our AI-driven credit scoring solutions. Risk-as-a-Service Strengthens fraud detection, mitigates exposure to market volatility and ensures compliance. Ready to take your cross-border business to the next level? Connect with us today to get started. Contact Us --- Enterprise-Grade FX and Treasury Solutions for Airlines Keep Your Airline’s Revenue on a Steady Flight Path Airlines risk revenue losses when currency fluctuations affect ticket sales. Our solutions give you control over pricing and settlements, helping to stabilise cash flow and reduce financial turbulence. Purpose-Built Solutions for Modern Airlines Real-Time Treasury Management Enables real-time fund transfers across ticket sales, travel agency payments, and supplier networks to manage global payments and settlements with speed and transparency. AI-Powered FX Solutions Reduces exposure to currency volatility and keeps ticket prices competitive by locking in accurate, real-time exchange rates at the point of sale. Ready to build what's next in aviation? Connect with us today to get started. Contact Us --- Championing The Future of Money Movement Real-time, AI-powered solutions that empower institutions and businesses to operate effortlessly across borders. Smarter Treasury Tools for a Real-Time World Eliminating operational complexities, empowering institutions and businesses of all sizes to operate seamlessly across borders. Next-generation blockchain-based solution Seamlessly enable fund transfers across countries, currencies and chains. AI-powered FX model Leverage our proprietary Time-Series Transformer (TST) model to forecast FX exposures and optimise FX costs. Our Suite of Products Real-Time Treasury Management Deliver seamless and secure cross-border transfers with our next-generation blockchain solutions purpose built for real-time treasury operations. Designed for 24/7 reliability and scalability, it supports over 100 currencies and processes even the most advanced forms of digital value like tokenised deposits and settlement tokens - setting a new benchmark for speed, interoperability and trust in global finance. 24/7 instant global payments Tokenised Deposit Settlement Token Watch Video Real-Time AI-Powered FX Solutions Our FX solutions help you forecast cash flow and exposure with up to 90% accuracy, cut FX costs by as much as 60%, and lower working capital needs by up to 60% – strengthening business resilience and protecting against global market volatility. Spot FX Guaranteed FX Revenue-Locked FX Dynamic FX Pricing Watch Video Interested in our real-time treasury solutions? Leave your details below and we'll be in touch. Contact Us --- One-stop Credit Tech Solutions From launch to growth, our solutions are designed to help you scale seamlessly, improve user engagement and maximise profitability. Proven Credit Technology, Driven by Artificial Intelligence Our solutions drive financial inclusion and power new growth for your business. Fast integration with financial-grade stability and multi-cloud adaptability We deliver secure credit solutions with high adaptability and 99. 99% stability, seamless integrations and flexibility across environments. Leading credit insights from industry experts Our experts deliver tailored risk and operational strategies, helping clients build end-to-end lifecycle solutions, from credit strategies to business operations that drive growth and lasting advantage. Alternative data intelligence Using advanced algorithms such as LLM and heterogeneous networks to turn sparse data into reliable insights - enabling fairer assessments and higher approval rates. Software-as-a-Service (SaaS) Solutions Our suite of robo-pilot SaaS solutions are designed to support partners in launching, managing and scaling their credit offerings through all stages of their lending businesses with seamless integration. Loan Management System Our high-performance platform is capable of managing billions of accounts, offering flexible configurations to streamline loan operations and ensure scalability. It’s an essential system to kick-start your lending business. Credit Engine Our intelligent, automated credit engine enhances credit assessment, forecasting and decision-making. It acts as a robo-pilot in optimising your credit strategies with greater efficiency, accuracy and speed. Collection Management System Our next-generation system processes high-volume cases efficiently, enhances collection performance, and supports multiple collection channels to achieve higher recovery rates. This indispensable system strengthens the resilience and... --- Redefining Finance for Banks and Their Customers Unlocking Efficiency in Finance Across Credit and Treasury Operations We deliver innovative financing solutions in partnership with banks, including co-lending, embedded finance as well as credit and platform tech solutions. Our solutions improve customer approval rates, strengthen risk management and enhance operational efficiency. Our Suite of Solutions for Banking and Finance Direct Financing Unlocks faster access to funds with our direct financing solutions where banks can extend financing seamlessly to both retail and MSMEs. Financing solutions we offer together include working capital, accounts receivables, Pay Later, and revenue-based financing. Software-as-a-Service: Loan Management System Automates and streamlines loan originations, operations and compliance for banks to manage retail, MSMEs and corporate loan portfolios seamlessly at scale. Software-as-a-Service: Credit Engine Optimises credit assessment, forecasting and credit decisioning with our AI-powered credit engine. Software-as-a-Service: Collection Management System Processes high volumes of accounts efficiently and supports multi-channel recovery to reduce losses and preserve long-term customer relationships. Data-as-a-Service Helps banks make more accurate lending decisions by leveraging alternative data from our credit scores. Risk-as-a-Service Analyses, designs and executes streamlined credit risk and lending operations by leveraging our risk management expertise. Real-Time Treasury Management Enables banks and financial institutions to process cross-border payments with speed, transparency and security powered by blockchain, AI and advanced encryption.   Ready to reimagine what banking and financial services can be? Connect with us today to get started. Contact Us --- Brazil Quick and simple capital to boost your business Access funding options through seamless, partner-integrated financing solutions Empowering Growth with Flexible Financial Options Designed to give merchants like you the agility to scale confidently through our trusted global partners. Business Personal Working Capital Loan Our collateral-free Working Capital Loan is designed specifically for merchants like you – so you can restock, expand and manage cash flow with ease. Apply via our partners AliExpress Dotz Buy Now Pay Later Let your merchants offer flexible payments to their customers, boosting conversion and cart size instantly. Apply via our partners TikTok Shop Lazada Working Capital Loan Our collateral-free Working Capital Loan is designed specifically for merchants like you – so you can restock, expand and manage cash flow with ease. Apply via our partners AliExpress Dotz Buy Now Pay Later Let your merchants offer flexible payments to their customers, boosting conversion and cart size instantly. Apply via our partners TikTok Shop Lazada Working Capital Loan Our collateral-free Working Capital Loan is designed specifically for merchants like you - so you can restock, expand and manage cash flow with ease. Apply via our partners AliExpress Dotz Buy Now Pay Later Let your merchants offer flexible payments to their customers, boosting conversion and cart size instantly. Apply via our partners TikTok Shop Lazada Working Capital Loan Our collateral-free Working Capital Loan is designed specifically for merchants like you - so you can restock, expand and manage cash flow with ease. Apply via our partners AliExpress... --- Empowering Partners with Locally-Adapted Credit Scoring Our AI-driven credit scoring solutions tailored for the Indonesian market – leveraging alternative local data, transformative modelling and scalable tech infrastructure to help banks, fintech companies and platforms to make faster, more accurate lending decisions. Credit Scoring Powered by AI, built for smarter credit decisions We support inclusive financing through solutions for fair and rigorous credit assessment Alternative Data Intelligence Our alternative data intelligence harness local sources and cutting-edge machine learning, Large Language Model (LLM), heterogeneous networks and deep neural networks to enhance credit assessment. By analysing digital footprints and diverse data points, it enables financial institutions, fintechs and platforms to accurately assess credit risk, expand access to underserved populations, and unlock new lending opportunities with faster, more precise credit decisions Trusted & Compliant Our credit assessment solution is built with strict privacy and regulatory compliance at its core. This ensures credit innovation is delivered with responsibility and trust. Scalable Infrastructure Hosted locally in Jakarta Data Centers, our credit scoring solutions are built on big data processing, AI modelling, and cloud-native infrastructure – supporting data security, high performance credit operation at scale. Our Suite of Products Credit Scoring for Consumers Our consumer credit score solution provides a numerical measure of creditworthiness, ranging from 300 to 850 to reflect likelihood of repayment. Built on global standards, the scoring system is tailored to Indonesians’ market. Credit Scoring for SME Our credit scoring solution applies advanced analytics and non-traditional performance indicators to assess the creditworthiness of small... --- Powering Financial Innovation at Enterprise Scale BettrEnterprise's suite of solutions allows you to integrate Ant International’s proven credit and platform technology into your ecosystem or platform. Driving Smarter, More Inclusive Financial Innovation for Enterprises Our enterprise-grade solutions help you to access, manage, and move money around the world. Through open collaboration and technology, we help you break down barriers to make financial services more accessible and the global economy more inclusive. Inclusive by Design Harness the power of advanced algorithm and modelling, as well as alternative data intelligence to offer more inclusive credit services for MSMEs. Global Presence, Local Insights Empowering global partners to make Bettr financial decisions with solutions that are tailored to local data sources, regulations and needs. Trusted Innovation Global data governance and globally compliant licensing - operational efficiency without the risk. Open Collaboration Co-create embedded finance solutions with leading partners around the world to deliver real-world impact, contributing to a responsible, resilient and sustainable financial ecosystem. Built to Streamline Enterprise Complexity The technology that powers our financial services is now available for your business – making it easy to enhance your operational efficiency and elevate the services you offer your customers. Credit Tech Solutions Inclusive and Accurate Lending at Scale Harness alternative data intelligence with our one-stop credit solution that supports your credit business across the entire lifecycle - from launch to scale. Data-as-a-Service Software-as-a-Service Risk-as-a-Service Explore More Real-Time Treasury Solutions Turning Operations Into Strategic Growth Manage liquidity and FX exposure with AI powered and blockchain-based... --- How can we help? Looking to learn more about our platform and products? Let’s connect and explore how we can support your business growth with the right solutions. Get in touch for: Product demos Tailored solutions for your business Information on financing through our partners End-to-end integration support Submit Submit --- All News --- Avail Financing on Your Platform for Your Users One stop solution for availing end-to-end financing directly on your platform Help your customers get affordable funding directly within your platform, allowing them to improve their cash flow, scale operations, or invest in the tools they need to thrive. Our solutions are built on robust data security and regulatory compliance, ensuring trust and credibility of your business. Access to Funding Flexible options to support your customers' working capital needs — without the need to pull funds from your company’s balance sheet. Comprehensive Financing Solutions Be able to offer a variety of flexible financing solutions that meet your customers’ needs without them leaving your platform. Smarter Risk Assessment We leverage alternative data intelligence and built-in risk tools to deliver fast, fair and secure credit assessments. Seamless Integration Flexible integration via API, mini applications and more to ensure your users have a smooth experience. Bettr x AliExpress in Brazil In collaboration with AliExpress in Brazil, Bettr is powering smarter financing with our embedded financing solution to meet the funding needs of their merchants and customers. Merchant Customer How it Works on AliExpress Merchants can access financing in the form of working capital directly from the AliExpress Merchant Portal Financing is highly flexible, giving sellers the freedom to choose loan amounts and repayment terms that fit their journey. Repayment is simple and seamless with PIX integration. Customers can access financing via buy now pay later from AliExpress directly. This allows customers to split payment for... --- Get Financing When You Need It Financing Built Around Your Needs Skip the hassle of traditional loans. With financing that’s embedded, flexible, transparent and backed by robust risk assessment, you can focus on everything else while we simplify access to funding. Our lending products are built with strict data privacy and regulatory compliance at its core to provide you fair and transparent funding. Get Financing Where You Are You don’t have to leave the platforms you are on. Financing is integrated seamlessly into your journey so you can access capital without extra steps. Faster Access to Funds When In Need With fast approvals and disbursement, you get capital when you need it most. Fair, Transparent Rates You Can Trust Enjoy financing with clear and affordable rates - no hidden surprises so you can plan with confidence. Flexible Financing That Adapts To You Access funding that adjusts to your unique needs, giving you the freedom to choose amounts and repayment terms that fit your journey. Explore Our Financing Solutions From Our Global Partners Through our strategic partners, we bring our financing solutions closer to you so managing money is simpler, faster and more accessible. Financing Solutions Explore solutions available where you are Brazil Hong Kong Vietnam Bettr Working Capital Our collateral-free working capital loan is designed specifically for merchants like you – so you can restock, expand and manage cash flow with ease from e-commerce platforms like AliExpress. Bettr Buy Now Pay Later Break down purchases into smaller, manageable instalments of... --- Flexible Financing Made for AliExpress Sellers Through our partnership with AliExpress, Bettr makes it easier for merchants to access fast, fair and flexible working capital. Apply Now Bettr Working Capital Loan - Built to Power Global Sellers like You Currently only available in Brazil Seamless repayment via PIX QR Exclusive rates for AE merchants Instant fund disbursement How It Works? Apply With Just 3 Steps Apply Now Step 1 Activate your loan on Merchant Centre Go to the AliExpress Merchant Centre, locate the Bettr Card, and click “Activate”. Submit your personal details to get started. Step 2 Initiate Loan Application Go to the AliExpress Merchant Centre, locate the Bettr Card, and click “Activate”. Submit your personal details to get started. Step 3 Activate your loan on AliExpress Merchant Centre Go to the AliExpress Merchant Centre, locate the Bettr Card, and click “Activate”. Submit your personal details to get started. Step 1 Activate your loan on Merchant Centre Go to the AliExpress Merchant Centre, locate the Bettr Card, and click “Activate”. Submit your personal details to get started. Step 2 Initiate Loan Application Go to the AliExpress Merchant Centre, locate the Bettr Card, and click “Activate”. Submit your personal details to get started. Step 3 Activate your loan on AliExpress Merchant Centre Go to the AliExpress Merchant Centre, locate the Bettr Card, and click “Activate”. Submit your personal details to get started. Step 1 Activate your loan on Merchant Centre Go to the AliExpress Merchant Centre, locate the Bettr Card, and... --- --- ## Posts --- ## Newsrooms - Newsroom Categories: BettrEnterprise Through the partnership, Ant International secures comprehensive marketing rights of the Argentine Football Association (AFA) and world-class players of the Argentine National Football Team to launch strategic activations across its brand portfolio, including Alipay+, Antom, Bettr and WorldFirst Through the partnership, Ant International secures comprehensive marketing rights of the Argentine Football Association (AFA) and world-class players of the Argentine National Football Team to launch strategic activations across its brand portfolio, including Alipay+, Antom, Bettr and WorldFirstBUENOS AIRES and SINGAPORE, 16 March 2026 – Ant International, a leading global payment, digitisation, and fintech solutions provider for merchants and financial institutions, today announced a partnership with the Argentine Football Association (AFA), becoming an Official Sponsor of the Argentine National Football Team for the Asia region (excluding the Middle East). Caption: Leandro Petersen (left), Chief Commercial and Marketing Officer of AFA and Peng Yang, Chief Executive Officer of Ant International during a signing ceremony of the partnership. With over 30 offices around the world, Ant International provides AI- and blockchain-empowered cross-border digital payment, treasury and digitalisation solutions for global merchants and financial institutions. Building on broad regional collaborations, its digital payment and account services connects 150 million+ merchants to 1. 8 billion consumer accounts in the Asia Pacific by integrating 300+ of mainstream and alternative payment methods. This agreement unites the reigning FIFA World Cup Champions with one of the world’s most innovative financial technology providers. Through this partnership, Ant International secures comprehensive marketing rights to launch strategic activations across its brand portfolio, including Alipay+, Antom, Bettr and WorldFirst, by leveraging the intellectual property of the AFA and the world-class players of the Argentine National Football Team. “We are incredibly proud to support the Argentine national team, a beacon of excellence,... --- - Newsroom Categories: BettrEnterprise CIMB Group Holdings Berhad (“CIMB” or “the Group”) and Ant International today announced the signing of a Memorandum of Understanding (“MOU”) to jointly explore innovations in cross-border payments and treasury and liquidity management solutions. Kuala Lumpur – CIMB Group Holdings Berhad (“CIMB” or “the Group”) and Ant International today announced the signing of a Memorandum of Understanding (“MOU”) to jointly explore innovations in cross-border payments and treasury and liquidity management solutions. The comprehensive partnership will see CIMB collaborating with Ant International’s key businesses including Alipay+, Antom and Bettr Treasury, across the Group’s integrated capabilities in cash management, treasury and markets solutions, credit and financing facilities, capital markets activities and sustainability-related initiatives. Under the MOU, CIMB and Ant International will also jointly develop a digital framework to enhance the treasury and liquidity operations of both parties, by leveraging Ant International’s next-generation blockchain-based treasury management solution, subject to regulatory frameworks and approvals. The framework aims to strengthen capital efficiency, transparency and cross-border liquidity optimisation, reinforcing the resilience and competitiveness of both sides’ regional financial ecosystems to better serve its customers in Malaysia. Novan Amirudin, Group Chief Executive Officer, CIMB said, “The partnership marks a milestone in our Forward30 strategy, where innovation is embedded into the core of how we operate and compete. Our collaboration with Ant International enables us to accelerate the institutional adoption of distributed ledger technology within the treasury ecosystem. This positions CIMB at the forefront of building scalable, future ready digital financial infrastructure innovation across ASEAN, while strengthening our ability to deliver greater efficiency, transparency and cross-border connectivity for our clients. ” Douglas Feagin, President of Ant International said, “We are pleased to partner with CIMB, who shares our goal of leveraging technology... --- - Newsroom Categories: BettrEnterprise Citi and Ant International announced today that they are piloting the use of Ant International’s Falcon Time-Series Transformer (TST) Model to deliver an enhanced FX risk management solution for their customers. Ant International’s Falcon TST Model will give Citi’s clients an improved FX risk management solution when selling through e-commerce channels. Pilot airline customer of the jointly-developed solution has already seen a cost reduction in their Fixed FX Rates hedging programme for online ticket sales. Singapore – Citi and Ant International announced today that they are piloting the use of Ant International's Falcon Time-Series Transformer (TST) Model to deliver an enhanced FX risk management solution for their customers. Developed with aviation clients as an initial use case, the solution aims to offer greater payment solutions for the airline industry, which processes billions of payment transactions annually. With airline travel set to continue growing, the joint solution combines Ant International's experience with airline payments and Citi's robust FX solutions to help the bank's clients manage their FX costs more efficiently. Ant International’s Falcon TST Model is a transformer architecture-based big data model with close to 2 billion parameters. By integrating the latest time series forecasting algorithms, the TST Model predicts future data points by learning complex patterns from large historical data sets using AI technology, the model helps businesses improve the efficiency and accuracy of their cashflow and FX exposure forecasts, allowing them to reduce hedging and overall FX costs. By pairing the Falcon TST Model with Citi’s Fixed FX Rates solution, an award-winning solution that simplifies the FX risk management process for businesses selling online in multiple currencies, the combined solution helps businesses mitigate the risks associated with currency fluctuations by... --- - Newsroom Categories: BettrEnterprise Ant International was recently awarded with the Best Payments and Collections Solution for our collaboration with DBS, at The Asset's Triple A Treasurise Awards 2025 in the E-Commerce, Media and Tech Solutions category. Our Platform Tech team partnered with DBS for the pilot launch of its Treasury Tokens solution, which integrates Ant International's internal global treasury management platform, the Whale platform. DBS's Treasury Tokens is a suite of banking services that integrates tokenisation and smart contract-enabled capabilities with the bank's award-winning banking services. It aims to unlock new transaction banking capabilities and operating efficiencies for its institutional clients. By integrating DBS's permissioned blockchain with Ant International's Whale platform, Ant International was able to use the digital form factor to achieve instant, multi-currency treasury and liquidity management to seamlessly manage our intra-group liquidity across multiple markets on a 24/7 basis, optimising workflow and visibility. This achievement demonstrates the impact of Ant International's joint innovation with DBS on tokenised deposits and we look forward to continue pushing the boundaries of treasury management solutions together with our partners. --- - Newsroom Categories: BettrEnterprise Report builds on shared ledger technology and industry expertise of the co-leads as well as members of the Project Guardian FX workstreamIt includes proposed principles for leveraging tokenised bank liabilities and shared ledgers to drive industry adoption of tokenisation and enable 24/7, real-time FX settlement and lower costs for businesses globallySingapore — The International Swaps and Derivatives Association (ISDA) and Ant International led the Project Guardian FX industry group to develop a new report for implementing tokenised bank liabilities and shared ledger in cross-border payments and foreign exchange (FX) settlement. The joint report is produced under the Monetary Authority of Singapore's (MAS) Project Guardian, a global collaboration between policymakers and key industry players to enhance liquidity and efficiency of financial markets through asset tokenisation. ISDA and Ant International are members of the industry group and lead the FX workstream to develop FX data specifications, risk management frameworks and FX documentation. Other contributors to the report include BNY, HSBC, OCBC and the Global Financial Markets Association’s Global Foreign Exchange Division. Available on MAS’ website, the report draws on the partners' technology expertise, FX payment experience and extensive industry partnerships to propose principles for leveraging tokenised bank liabilities and shared ledgers in transaction banking services. This includes:1. Design principles for tokenised bank liabilities to standardise industry practices and enable interoperability;2. Key risks and mitigation actions for shared ledger-based payments; and3. Use cases showcasing real-world shared ledgers and tokenised payments in transaction banking. As a Project Guardian participant, Ant International also leveraged its... --- - Newsroom Categories: BettrEnterprise Following the successful launch in Hong Kong last month, Ant International hosted the launch of HSBC's Tokenised Deposit Service at our Singapore headquarters earlier this week. The solution, jointly-innovated by HSBC and Ant International is an AI-powered liquidity management tool that utilises blockchain technology to optimise payment and treasury operations. It enables businesses to manage their liquidity with improved transparency, flexibility and efficiency. In addition to celebrating the expansion of HSBC's corporate cash management solution to Singapore, both sides also reflected on their long-running collaboration on tokenised deposits, which started in 2020. As part of this collaboration, HSBC and Ant International piloted blockchain-based settlement on the latter's next-gen treasury management solution, the Whale platform. After the pilot, HSBC adapted the learnings from its joint innovation with Ant International into the design of the Tokenised Deposit Service. With the commercial launch now underway, Ant International became the pioneer client to use the service, successfully completing an instant intra-group fund transfer via its Whale platform, by digitising its USD deposits with HSBC into digital tokens on the bank's secure distributed ledger. With the expansion of the service to Singapore, Ant International can now conduct transfers in SGD, HKD and USD between its Hong Kong and Singapore accounts. Looking ahead, both companies will continue to explore new use cases for tokenisation and digital money, including real-time payments and treasury management. Through their participation in the Monetary Authority of Singapore's Project Guardian, both HSBC and Ant International will also support broader industry adoption of... --- - Newsroom Categories: BettrEnterprise Ant Credit Engine helps financial service providers make faster and smarter credit decisions at scaleSão Paulo – Through its credit tech solutions, Ant International has enabled financial institutions and fintech companies to extend credit access to over 15 million customers, including micro, small and medium-sized enterprises (MSMEs) in emerging markets, according to Quan Yu, General Manager of Credit Services, Ant International. Ant International is a global leader in digital payments, digitisation and financial technology. Millions of MSMEs and individuals remain underserved due to the lack of collaterals, stable income or credit history. To serve these segments and grow business, financial service providers need intelligent credit tech solutions powered by alternative data and embedded in their existing systems. The Ant Credit Engine, one of the core innovative offerings developed by Ant International, is an intelligent and automated credit engine. It helps financial institutions, fintechs, e-wallets and other qualified lenders such as digital platforms in e-commerce, delivery and ride-hailing sectors make credit decisions with greater efficiency, accuracy, and speed. Yu made the remarks during FEBRABAN TECH 2025, one of the largest financial innovation events in Latin America. “Financial inclusion shouldn’t mean lowering the bar for risk; it means raising the standard for intelligent decision-making. Just like canoeing in the Amazon River, navigating financial complexity requires the right tools. ” said Yu. “Our embedded, alternative-data-driven approach enables seamless integration, smart decisioning, and rapid deployment, making it easier and faster for our partners to embed credit services directly into their platforms. This allows lenders... --- - Newsroom Categories: BettrEnterprise From Left to Right: Sabih Behzad, Head of Digital Assets & Currencies Transformation for Deutsche Bank, Chintan Shah, Head of Corporate Coverage for APAC & MEA at Deutsche Bank, Kriti Jain, Head of New Economy Coverage APAC and Head of New Economy Cash Solutions Sales APAC & MEA at Deutsche Bank, Leiming Chen, Chief Sustainability Officer at Ant International, Yi Zhou, Chief Financial Officer at Ant International, Kelvin Li, General Manager of Platform Tech at Ant International and Yanyi Liang, Head of Whale Treasury Platform at Ant InternationalSingapore — Deutsche Bank and Ant International have announced their strategic partnership to provide more comprehensive payment solutions for businesses of all sizes in Europe and Asia, by combining their expertise and leveraging Ant International’s proprietary tokenisation and AI-based FX technology. The bank will collaborate with Ant International’s Embedded Finance unit on a series of global treasury management and cross-border payment innovations, including tokenised deposits, stablecoin, and its Time-Series Transformer (TST) FX Model. Deutsche Bank will be the first German bank to facilitate Ant International’s blockchain-based real-time treasury management platform to enable real-time fund transfers between Ant International’s intragroup entities. This will enable more efficient and transparent global treasury management for Ant. In addition, the two sides will also explore cross-border payment innovations, including tokenised bank deposits, stablecoin and Ant International’s Falcon TST FX Model, to help Ant International and its clients reduce FX-related cost and risks. Both companies will also further look into the applications of stablecoins for global payments, including real-time... --- - Newsroom Categories: BettrEnterprise Lewis Sun, Global Head of Domestic and Emerging Payments, Global Payments Solutions, HSBC (fourth from right)Kelvin Li, General Manager of Platform Tech, Ant International (third from left), together with other senior executives. The company's Embedded Finance unit is expanding banking partnerships on tokenisation and AI-driven global liquidity management tools to maximize payment and treasury efficiencyHong Kong — Ant International today announced its collaboration with HSBC on the bank’s new Tokenised Deposit Service in Hong Kong. The service will support treasury management with real-time, always-on HKD and USD payments between corporate wallets held by a corporate client at HSBC Hong Kong. The Tokenised Deposit Service is also the first bank-led, blockchain-based settlement service in Hong Kong. The launch comes after a successful pilot test between HSBC and Ant International on Ant’s Whale platform, which has been rolling out blockchain-based payments and tokenised deposits solutions with various bank partners. Following the pilot test, HSBC adapted the learnings from the joint innovation into its Tokenised Deposit Service, with Ant International as the pioneer client. As the first client to utilise the Tokenised Deposit Service, Ant International has successfully completed an instant intra-group fund transfer via the service. It initiated the transaction via its internal global treasury management platform, the Whale platform, digitising its USD deposits with HSBC into digital tokens on the bank’s secure distributed ledger. One of the core products developed by the Platform Tech team under Ant International’s Embedded Finance business, the Whale platform is a next-generation treasury management solution that... --- - Newsroom Categories: BettrEnterprise The Time-Series Transformer AI FX Model forecasts cashflow and FX exposure with more than 90% accuracy, helping businesses reduce FX-related feesSingapore – Ant International has entered a partnership with leading UK bank Barclays to enhance efficiency and resilience in global treasury management for businesses. Under the partnership, the two sides will combine innovative solutions, including Ant’s proprietary Time-Series Transformer (TST) AI FX Model, to help businesses reduce FX-related costs and risks against global volatilities. At the initial stage of the collaboration, Ant International has successfully completed the first batch of its intra-group FX transactions with Barclays. Ant International’s TST Model is a transformer architecture-based big data model with close to 2 billion parameters. By integrating the latest time series forecasting algorithms, the TST Model predicts patterns over time. Ant also created new pre-training and Supervised Fine-Tuning (SFT) frameworks to train the model and improve its predictions over time. The TST Model now forecasts the company's cashflow and FX exposure on an hourly, daily and weekly basis, with 90%+ accuracy. This enables more accurate predictions of trading volumes and reduces unnecessary hedging and risk premium costs from banks, thereby lowering its hedging costs and overall FX costs. Barclays integrated the TST Model into its FX hedging platform, BARX NetFX, which broadly serves the e-commerce and payment industries. This collaboration is part of Barclays’ FX Automation strategy, which focuses on developing tools that help their clients digitise workflows and optimise FX hedging. By integrating the TST Model into its Guaranteed FX solution,... --- - Newsroom Categories: Bettr Collaborating with AliExpress and local partners to provide SME financing, support local economySão Paulo – Bettr, a leading AI-driven lending business under Ant International, today announced its official launch in Brazil to expand small and medium-sized enterprise (SME) lending to support local and regional economic development by working with local partners. As a first move, it formed a strategic partnership with AliExpress to bring a new financing solution, Bettr Working Capital, to local merchants operating on AliExpress. This enables simple and streamlined access to working capital and supports business expansion in one of the world’s fastest-developing e-commerce markets. Bettr Working Capital will gradually roll out, with the first batch of disbursements starting on March 17. As Latin America’s largest digital economy, Brazil continues to experience rapid e-commerce growth, with millions of SMEs and micro-business owners thriving in this dynamic sector. However, access to financing remains a challenge for many, as SMEs' limited collateral, lack of standardized financial documentation, and other constraints make it difficult to secure funding. Through this partnership, Bettr integrates its AI-powered lending technology into the AliExpress platform to offer smarter and more accessible financing solutions. By analysing merchants’ sales record and other unstructured business information from AliExpress, Bettr Working Capital provides affordable and tailored loan options, helping sellers access funds more easily to manage cash flow, grow their business, and expand into new categories. Leveraging AI, Bettr makes credit more inclusive. With alternative data-based modelling, it can conduct credit assessments quickly and accurately. Bettr is also enhancing... --- --- ## Resources - Industry: Banking - Products: Real-Time Treasury Management - Topics: Guide ～60% Hedging cost savings >90% Forecast accuracy 24/7 Reliability“Ant International’s state-of-the-art AI model has improved the accuracy of forecasting cash flows and helped us optimise the FX hedging process. By combining their advanced AI forecasting capabilities with our market-leading FX expertise, we’ve been able to reduce uncertainty and cost, setting a new benchmark for FX risk management. ”Ben Parkinson,Head of Global Fintech & FX Automation Sales, Barclays Defining the Problem For treasuries, today’s complex global environment leaves little room to breathe. As unpredictable external factors fuel currency volatility, treasury officers must find more accurate and responsive ways to manage their FX exposures. Traditional forecasting methods can no longer cope with the present volatile market conditions. Manual, spreadsheet-based and historical data-driven methods lack the breadth of inputs needed to predict currency movements, thus failing to deliver the speed and accuracy that modern FX markets now demand. This is where Bettr by Ant International’s Treasury Management Solutions stepped in. Global banks such as Barclays can access Bettr’s solutions to address two critical challenges:How can they deliver smarter, more responsive FX risk management solutions for their clients? How can they reduce cost and uncertainty in hedging strategies? Building the Solution Barclays arrived on Bettr’s AI-powered treasury solutions as a solution. Advanced, AI-powered forecasting capabilities could enhance the intelligence of Barclays’ FX platforms: delivering greater value to the bank’s corporate clients through improved FX prediction and more resilient liquidity management. The solution would also be an ideal fit for Barclays’ FX Automation Strategy, which... --- - Products: Credit Tech For decades, the 5C’s of credit decisioning have anchored how lenders assess risk. Character, Capacity, Capital, Collateral and Conditions have long served as the backbone of responsible lending, and look to remain so: giving lenders a clear framework for evaluating applicants and maintaining portfolio discipline. Today, digital technology, alternative data, and Artificial Intelligence (AI) are reimagining how that framework is used – shifting credit underwriting from a slow, manual process to a dynamic, predictive one that quickly adapts as new information comes in. Credit engines, among other platforms, are enabling faster, data-rich evaluations that reflect real-world conditions. Now, formerly “unscorable” SMEs are gaining access to essential financing, while lenders benefit from greater efficiency and access to a wider pool of borrowers who demonstrate strong repayment behavior even without conventional profiles. Explaining the Traditional 5 C's While the industry is steadily moving toward data-driven underwriting, the original 5C’s framework still explains how lenders view a borrower’s strength and reliability. Each “C” captures a different dimension of creditworthiness, and together they form the basis of sound, responsible lending. Character examines a borrower’s reputation and history for repaying debts. For individuals, this often shows up in credit reports that reflect past behavior and payment patterns. For businesses, lenders look closely at management’s track record, credibility and ability to steer the company responsibly. Capacity focuses on whether a borrower can realistically repay what they intend to borrow. Financial ratios such as total debt service (TDS), debt service coverage (DSC) or debt-to-income (DTI) offer a... --- - Products: Real-Time Treasury Management - Topics: Guide Introduction Global commerce is growing faster than the infrastructure that moves money around. Cross-border payment flows are expected to reach US$290 trillion by 2030, growing at around 9% (CAGR) annually as more shoppers and businesses transact across borders without thinking twice about international boundaries. Yet payment rails haven’t kept pace with this real-time world. One-third of retail cross-border payments took more than one business day to be settled in 2024 – with many taking as much as five days, relying on a chain of intermediaries that create friction and drain working capital. Other constraints on global money movement – limited operating hours, cut-off times and fragmented processes, among others – get in the way of efficiently tracking funds. Manual reconciliation and compliance overheads add even more cost and delay. The race is on to eliminate these inefficiencies. Real-time payments networks are now live or being planned in over 80 countries, processing 114 million transactions annually and enabling funds to move faster between markets. ISO 20022-based blockchain pilots are also accelerating interoperability between banks and fintech providers, enabling richer data exchange and better transparency across jurisdictions. Then there’s tokenisation: the creation of a digital representation of money, issued by a regulated bank and recorded on blockchain or other distributed ledger technology. Tokenisation combines the trust and stability of the traditional banking system with the programmability, speed, and transparency of digital networks – a new twist in financial architecture that helps payments move as efficiently as digital commerce demands. Tokenisation’s Core Capabilities... --- - Products: Real-Time Treasury Management - Topics: Guide Imagine managing thousands of payments every single day across currencies and continents. That’s the reality for treasury management teams in global enterprises that must coordinate funding across regions and business units – ensuring cash flows to the right account in the right currency and within the expected settlement cycle. The global cross-border payment market was valued at almost USD 1 quadrillion in 2024, with total flows reaching USD 190. 1 trillion in 2023 and expected to reach USD 290 trillion by 2030. Yet even as transaction volumes surge, costs remain high. Cross-border payment flows often obscure the constant balancing act involved in FX risk management. As global commerce accelerates: according to the 2025 Global Treasury Survey, here are the top five priorities of treasurers worldwide: Cash and liquidity management Funding/capital structure Financial risk Banking management Working capital Traditional treasury tools are under strain, as treasurers juggle different priorities across time zones, currencies, and regulatory frameworks. Traditional FX risk management instruments can steady the ship, but they can’t help enterprises steer through today’s fast-moving global waters. To shift from reaction to anticipation, treasury teams must use AI-powered FX solutions that forecast exposure by leveraging real-time intelligence and automate conversions. The modern treasurer’s challenge Globalisation has magnified the workload for treasury teams that must manage these challenges: High FX costs and mark-upFX offerings in the market usually add hidden mark-ups to exchange rates, charging slightly more than the market rate for each conversion. For global enterprises handling large volumes, even small differences... --- - Industry: Finance - Products: Credit Tech - Topics: Guide Who determines loan approvals, credit ceilings, and portfolio exposure today? For most modern businesses, the answer is a credit engine — an automated system that interprets data and executes high-stakes financial decisions at scale. But as every business operates with their own customer profiles, risk appetites, and market conditions, no single credit-decisioning system will work the same way for everyone. This is why many companies eventually find themselves at a crossroads: unsure whether to build best-fit credit decisioning systems or buy one for a quicker path to market. This article will help you understand the trade-offs behind control, cost, and speed to finally get your credit engine going instead of pondering endlessly over the ‘best’ decision (because spoiler alert, there isn’t one). Conditions that influence your credit engine decision At its core, buying or building comes down to a few questions:What level of control do you need? How fast do you need to go to market? How much internal talent do you actually have? Level of controlIf your business is expected to evolve rapidly or deals with volatile customer behaviour, ownership of your credit engine will grant greater flexibility for credit policy and data logic tweaking. With buying, you sacrifice some of that granular control in exchange for tried-and-trusted frameworks – so it really depends on your confidence that your business won’t dramatically change down the road. Go to market speedBuilding takes time. Even if you’re familiar with the likes of aligning scoring logic, compliance workflows, and testing environments, credit... --- - Industry: Cross-Border Trade - Products: Embedded Finance - Topics: Industry applications The financial landscape around retail is changing rapidly. Services that were once traditionally owned by banks – managing credit, enabling purchases and underwriting financial decisions – are now increasingly embedded in the places where people already shop online. E-commerce platforms are increasingly taking a lead in these financial roles, shifting lending services from brick-and-mortar bank branches to the smartphones and laptops at their users’ fingertips. Owners of micro, small & medium enterprises (MSMEs) can now secure accounts receivable financing or a working capital loan right at checkout. That’s embedded finance (EmFi) at work – it enables non-financial platforms to deliver financial services for MSMEs, which were formerly exclusively offered by financial institutions. By meeting MSMEs where they already are, EmFi makes lending smoother and more inclusive. Shoppers get flexible options and faster access to the things they need, while platforms benefit from improved loyalty and reduced operational strain across the value chain. For customers: how embedded lending makes buying easier As customers go through the entire purchase experience on an e-commerce platform, embedded lending works quietly in the background. The platform can offer customers with an extensive selection of credit options without redirecting them outside the platform: these just appear naturally when they’re needed at checkout. This meets growing expectations for seamless digital journeys. The flow feels similar to what ride-hailing and super apps pioneered: quick and unburdened from unnecessary frictions that might disrupt the moment of purchase. It also opens doors for people who may have been excluded by... --- - Products: Embedded Finance - Topics: Guide Who says banking services should be left to the banks? Loans and payment services are no longer delivered by banks alone. Today, non-financial businesses like e-commerce platforms and B2B marketplaces offer financial services that are faster, smarter and more relevant than what traditional providers can deliver. That’s Embedded Finance (EmFi) in action: the integration of financial services directly into non-financial platforms, like a merchant’s checkout, a mobile app or a business process flow. With EmFi, users can access credit, insurance, payments, and more – seamlessly and in context – without being redirected outside a platform, to a bank or third-party provider. Why EmFi should matter This concept has rocked the financial services market to its core. In a recent EY study, 70% of respondents now believe that most financial services will be offered via non-financial services platforms in the near future. EmFi owes its momentum to a convergence of customer demand and technological progress. Customers now view financial services as a natural extension of the digital ecosystems they engage with, rather than as standalone offerings. Plus, the evolution of advanced financial Application Programming Interfaces (APIs) has made it possible for everyday digital platforms to offer banking-like services effortlessly within their own ecosystems – including:Embedded payments: Digital payment options integrated directly into a non-financial company’s platform. By using EmFi payment tools like digital wallets, customers no longer need to leave a website or app to pay for goods and services. Embedded lending: Provides immediate loan or credit options at the point... --- - Industry: Finance - Products: Credit Tech - Topics: Guide In many parts of the world, access to credit remains a challenge for billions of MSMEs and individuals due to the lack of collaterals, stable financial history, or credit records. These gaps aren’t just social issues; they are missed business opportunities. To serve these segments effectively, financial service providers must reimagine their approach to credit assessment and lending. They need more intelligent credit technology solutions that leverage alternative data sources and are seamlessly embedded into existing systems to enable smarter, more inclusive credit services. That‘s where Bettr’s Credit Engine comes in. Bettr’s Credit Engine is an intelligent and automated credit engine. It helps financial institutions, fintechs, e-wallets and other qualified lenders such as digital platforms in e-commerce, delivery and ride-hailing sectors to make credit decisions with greater efficiency, accuracy, and speed. Whether you are launching lending business from scratch or upgrading legacy credit system, ACE enables smarter decisioning, unlocking new growth opportunities for your organisation. At the heart of our Credit Engine are 4 key modules from data ingestion to real-time strategy development. Smart DataOrganise all data sources in one place from traditional credit bureau records to alternative data. Bettr’s Credit Engine does not store your data but securely connect and read data from multiple sources through authorised connections to support meaningful credit insights. Smart FeatureTransforms sparse data into insights through alternative data modelling and algorithms including heterogeneousnetworks and deep neural networks. This enables lenders to assess borrowers' eligibility more precisely and efficiently, with a more comprehensive view of their... --- - Industry: Ecommerce - Products: Embedded Finance Your platform’s success is tied to how well your users can grow. But growth can be a daily struggle for many small and medium-sized enterprises (SMEs). Their tight margins, long payment cycles and lack of immediately-available capital often hold them back. Even the most reliable sellers can get overlooked by traditional banks if they lack the right collateral or formal credit history – a regular occurrence for entrepreneurs in Brazil, Vietnam or right where you live. Embedded finance changes that dynamic. By enabling access to capital at the moment your users need it – whether to restock hot-selling items or seize a growth opportunity – you help them move forward with confidence. And when they win, so do you. Bettr’s embedded lending products are built for different stages and ambitions: from short-term working capital needs to more strategic, long-term growth. Read on for a quick look at how each solution works and where it delivers the most impact. 1. Working capital financing Every business needs cash on hand to keep daily operations running smoothly, whether that means paying suppliers on time or stocking up on fast-moving products. Working capital financing gives merchants immediate access to funds in case revenue is delayed, helping them bridge cash gaps without slowing down. Bettr Working Capital – already live in Brazil – integrates Bettr’s AI-powered lending technology into the AliExpress platform to extend fair, fast financing directly to their sellers. Bettr’s AI models analyse real transaction data and other business signals from the platform... --- - Industry: Finance - Products: Credit Tech - Topics: Guide Once defined by high barriers and low flexibility, the financial industry is now shifting toward an era of intelligence and real-time decisioning. Even the most established institutions feel driven to evolve beyond manual reviews and rule-bound processes to keep up with unprecedented disruption in the industry – with changing customer expectations, tightening regulations and raging competition snapping at their heels. Artificial Intelligence (AI) acts as both a catalyst and engine of this rapid change. Its adoption raises the bar for speed and precision, while equipping businesses with the means to achieve those very standards. When properly implemented, AI leads to faster, fairer, and more data-driven financial services that can reach emerging market merchants and other traditionally underserved players. Read on to find out how organisations can use AI to stay ahead of this growing movement toward more inclusive, intelligent financial services. Why FSIs are rapidly adopting AI Today’s transformer-based deep learning models – the core of today’s modern AI platforms – are capable of analysing thousands of data points within seconds. This transforms risk assessments, reconciliations, compliance checks, forecasting, and other tasks once handled manually. AI allows them to be executed at scale with far greater consistency. And unlike traditional systems, AI continues learning as new information surfaces, uncovering patterns and anomalies that human teams might miss. This enables financial institutions to adapt their decisions in real time, even as customer behaviour and regulations shift. It’s no surprise, then, that AI is starting to look less like a luxury and... --- - Products: Real-Time Treasury Management - Topics: Guide >40% Hedging cost savings >90% Forecast accuracy 24/7 Reliability“Bettr’s treasury management platform helps Capital A to reduce FX costs, protect and improve our margins and reduce risk whilst improving overall operations. The platform enables us to forecast our cash flows to better manage our FX exposure. ”Aireen Omar,Group Chief Executive OfficerBigPay Defining the Problem Complexity doesn’t faze the company once known as AirAsia Group; it’s where it feels most at home. Every day, Capital A manages thousands of cross-border payments and customer transactions, spanning operations across multiple countries and currencies. “As a group, we serve over 70 million travellers yearly – 35 million of these are AirAsia Rewards members,” explains Aireen Omar. “Our fintech arm, BigPay, has over 1. 6 million carded users. ”As a business with cross-border operations, Capital A saw an opportunity to optimise treasury management, by managing expenses in local currencies and transacting in like-for-like currencies. They also needed a solution that could improve operational efficiency and reduce the cost of managing multi-currency flow. Building the Solution Capital A partnered with Bettr to find a solution that could transform its treasury operations and enhance customer experience. “We are always looking for room to improve especially in Treasury operations, including FX transactions, tightening margins, faster settlement frequency and lowering future transaction costs,” Aireen explained. “Bettr’s treasury management platform helps Capital A to reduce the FX costs, protect and improve our margins and reduce risk whilst improving overall operations. ”Bettr’s treasury management platform leveraged a Time-Series Transformer (TST) Model... --- --- ## Success Story - Products: Real-Time Treasury Management - Topics: Guide >40% Hedging cost savings >90% Forecast accuracy 24/7 Reliability“Bettr’s treasury management platform helps Capital A to reduce FX costs, protect and improve our margins and reduce risk whilst improving overall operations. The platform enables us to forecast our cash flows to better manage our FX exposure. ”Aireen Omar,Group Chief Executive OfficerBigPay Defining the Problem Complexity doesn’t faze the company once known as AirAsia Group; it’s where it feels most at home. Every day, Capital A manages thousands of cross-border payments and customer transactions, spanning operations across multiple countries and currencies. “As a group, we serve over 70 million travellers yearly – 35 million of these are AirAsia Rewards members,” explains Aireen Omar. “Our fintech arm, BigPay, has over 1. 6 million carded users. ”As a business with cross-border operations, Capital A saw an opportunity to optimise treasury management, by managing expenses in local currencies and transacting in like-for-like currencies. They also needed a solution that could improve operational efficiency and reduce the cost of managing multi-currency flow. Building the Solution Capital A partnered with Bettr to find a solution that could transform its treasury operations and enhance customer experience. “We are always looking for room to improve especially in Treasury operations, including FX transactions, tightening margins, faster settlement frequency and lowering future transaction costs,” Aireen explained. “Bettr’s treasury management platform helps Capital A to reduce the FX costs, protect and improve our margins and reduce risk whilst improving overall operations. ”Bettr’s treasury management platform leveraged a Time-Series Transformer (TST) Model... --- ---