SUNRATE Unveils Sunrate.AI, Defining Agentic Global Payments

SUNRATE, the global payment and treasury management platform, today unveiled Sunrate.AI at SuperAI, defining ‘Agentic Global Payments’ — a new category of AI-native global payment infrastructure built to automate and manage complex enterprise workflows.

As the global economy becomes increasingly real-time and multi-market, traditional payment systems reliant on manual inputs and static, rule-based processes are reaching their limits. Sunrate.AI introduces a fundamentally different operating model, transforming global payments from isolated actions into a continuously operating intelligent system capable of coordinating and executing workflows autonomously.

“While B2C consumer payments have largely been streamlined into single-click experiences, cross-border B2B payments remain uniquely complex, involving multi-layered workflows, strict regulatory compliance, and dynamic FX management,” said Paul Meng, Co-founder and CEO of SUNRATE. “With Sunrate.AI, we are defining Agentic Global Payments — introducing an intelligent ecosystem capable of autonomously navigating these enterprise complexities and transforming global B2B operations.”

Reimagining the Payment Lifecycle

Sunrate.AI introduces a coordinated ecosystem of specialised intelligence embedded across the full payment lifecycle:

• Chat Agent Delivers AI-powered conversational support, enabling guided workflows, knowledge retrieval, and operational assistance across user touchpoints.
• Onboarding Agent Automates KYB/KYC workflows including document verification, UBO validation, and account activation, reducing onboarding friction and cycle time.
• Payment Agent Handles intelligent payment setup, beneficiary management, routing optimisation, and execution of cross-border transactions based on contextual signals.
• Compliance Agent Enhances transaction monitoring, anomaly detection, risk scoring, and collaborative review workflows between AI and compliance teams.
• FX Agent Provides real-time foreign exchange intelligence, rate monitoring, execution recommendations, and optimisation insights for treasury decisions.

Together, these specialised agents operate as a unified system capable of autonomously orchestrating end-to-end workflows and optimising execution decisions across liquidity, routing, and FX in real time.

A Powerful Four-Layer AI Architecture

This ecosystem moves beyond traditional systems through a comprehensive, four-layer AI-native infrastructure designed specifically to handle the intricacies of the global economy:

• AI Interface: Connects users, systems, and workflows through multiple channels (including portal, API, and CLI), enabling seamless, multi-channel human–AI and system–AI interaction.
• Agent Teams: A collaborative layer that identifies user intent, interprets complex task requirements, and routes requests to the most suitable specialised intelligence for swift resolution.
• Agentic Orchestration: Coordinates workflows, approvals, and system actions to support payment-related tasks with robust operational control, compliance guardrails, and human-in-the-loop oversight.
• AI Infrastructure: The model and intelligence foundation of Sunrate.AI, integrating domain-specific models with unified access, intelligent routing, and full-lifecycle governance to power secure execution.

Next-Generation Core Capabilities

The foundation of Sunrate.AI is driven by eight core technological pillars built for enterprise-grade operations.

• Model Intelligence: Incorporates foundation models, specialised intelligence, multimodal capabilities, model routing, and governance.
• Context Engineering: Dynamically assembles high-quality context from customer, transaction, document, and policy data.
• Memory Architecture: Builds persistent, structured memory across customers, conversations, workflows, and operations.
• Agent Protocols: Supports MCP, A2A, and AP2 to connect tools, AI systems, and intelligent payment ecosystems.
• Tool Calling: Enables the AI to securely call SUNRATE APIs, internal systems, external services, and MCP tools.
• Workflow Orchestration: Orchestrates multi-step workflows, task states, exception handling, approval flows, and cross-system processes.
• CLI & Developer Experience: Provides AI-powered CLI, APIs, and SDKs for developers and operators to build, test, integrate, and automate with ease.
• Security, Guardrails & Audit: Embeds access control, human review, compliance controls, real-time monitoring, traceability, and audit trails into every workflow.

“Cross-border payments have long been constrained by operational inefficiencies and fragmented infrastructure,” said Li Yilong, Head of AI at SUNRATE. “Agentic Global Payments enable a fundamentally new operating model — one that is not only faster and more scalable, but inherently smarter and more aligned with the future of the global economy.”