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t54 Labs Raises $5 Million Seed as Ripple, Franklin Templeton Back Agentic Finance

Backers are betting that trust infrastructure will let AI agents transact safely at institutional scale.

Overview

  • The round was co-led by Anagram, PL Capital and Franklin Templeton, with strategic participation from Ripple, Virtuals Ventures, Blockchain Coinvestors and ABCDE.
  • t54 is rolling out a “Know Your Agent” identity framework, a real-time risk engine and planned agent-native credit to enable compliant autonomous transactions.
  • Its stack runs across the XRP Ledger, Solana and Base, and includes an open-source x402-secure component for the Coinbase-incubated x402 agent payment protocol.
  • Evernorth plans to use t54’s tools for autonomous treasury management on XRPL in an initiative targeting more than $1 billion in institutional XRP holdings.
  • Founder Chandler Fang said the 12-person team will add two engineers and a developer-relations or business-development lead, while confirming no investor received governance rights and valuation remains undisclosed.