AI RESEARCH
TREASURE: The Visa Payment Foundation Model for High-Volume Transaction Understanding
arXiv CS.LG
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ArXi:2511.19693v3 Announce Type: replace Payment networks form the backbone of modern commerce, generating high volumes of transaction records from daily activities. Properly modeling this data can enable applications such as abnormal behavior detection and consumer-level insights for hyper-personalized experiences, ultimately improving people's lives. In this paper, we present TREASURE, TRansformer Engine As Scalable Universal transaction Representation Encoder, a multipurpose transformer-based foundation model specifically designed for transaction data.