F2LLM-v2: Inclusive, Performant, and Efficient Embeddings for a Multilingual World

The development of high-quality text embeddings is increasingly drifting toward an exclusionary future, defined by three critical barriers: prohibitive computational costs, a narrow linguistic focus that neglects most of the world's languages, and a lack of transparency from closed-source or open-weight models that stifles research. To dismantle these barriers, we introduce ML-Embed, a suite of inclusive and efficient models built upon a new framework: 3-Dimensional Matryoshka Learning (3D-ML). Our framework addresses the computational challenge with comprehensive efficiency across the entire model lifecycle. Beyond the storage benefits of Matryoshka Representation Learning (MRL) and flexible inference-time depth provided by Matryoshka Layer Learning (MLL), we introduce Matryoshka Embedding Learning (MEL) for enhanced parameter efficiency. To address the linguistic challenge, we curate a massively multilingual dataset and train a suite of models ranging from 140M to 8B parameters. In a direct commitment to transparency, we release all models, data, and code. Extensive evaluation on 430 tasks demonstrates that our models set new records on 9 of 17 evaluated MTEB benchmarks, with particularly strong results in low-resource languages, providing a reproducible blueprint for building globally equitable and computationally efficient AI systems.

Embedding models are crucial to modern NLP. However, the creation of the most effective models relies on carefully constructed supervised finetuning data. For high resource languages, such as English, such datasets are readily available. However, for hundreds of other languages, they are simply non-existent. We investigate whether the advent of large language models can help to bridge this gap. We test three different strategies for generating synthetic triplet data used to optimise embedding models. These include in-context learning as well as two novel approaches, leveraging adapter composition and cross lingual finetuning of the LLM generator (XL-LoRA) respectively. We find that while in-context learning still falls short of strong non-synthetic baselines, adapter composition and XL-LoRA yield strong performance gains across a wide array of tasks and languages, offering a clear, scalable pathway to producing performant embedding models for a wide variety of languages.

We introduce SkMTEB, the first comprehensive MTEB-style text embedding benchmark for Slovak, a low-resource West Slavic language, comprising 31 datasets across 7 task types -- nearly 4$\times$ the depth of existing multilingual benchmark coverage for Slovak. Our evaluation of 31 embedding models reveals that large instruction-tuned multilingual models achieve the strongest performance, while existing Slovak-specific models trained for NLU tasks transfer poorly to embedding tasks. To address the need for efficient, locally-deployable Slovak embeddings, we develop e5-sk-small (45M parameters) and e5-sk-large (365M) by applying vocabulary trimming and fine-tuning to Multilingual E5 models. Despite size reductions of up to 62%, our open-source models achieve competitive performance with proprietary APIs while remaining locally deployable for semantic search and retrieval-augmented generation (RAG). We release the benchmark, models, datasets, and code openly, hoping our approach offers a replicable path for other under-resourced languages.