Guided by the People's Bank of China, the China Payment and Clearing Association has embarked on the development of a standardized cross-border QR code payment gateway. Ant Group has emerged as one of the pioneering institutions in this endeavor, with its subsidiary Ant International forging alliances with prominent electronic wallet providers across several nations to create the 'Electronic Wallet Guardian Alliance' and unveil the AI-driven security solution, AI SHIELD. This innovative system harnesses the power of reliable artificial intelligence to mitigate risks associated with cross-border transactions. Throughout its pilot phase, the system has successfully thwarted 90% of attempted account thefts, offering users comprehensive compensation protection. Compensation requests are swiftly handled by an AI-powered intelligent approval mechanism, boosting review efficiency by 90% while maintaining an accuracy rate surpassing 95%.