Global business media22 Jun 2026By Boaz Sobrado
‘The entire society is a trust business’: the startup Ripple backed
Forbes profile of t54 Labs, the founders’ thesis that trust underpins agent commerce, and Ripple’s backing.
Read at ForbesPress
Official company information, selected coverage and media resources for t54 Labs.
- Founded
- 2025
- Headquarters
- San Francisco
Backed by
Company description
The trust layer for the agentic economy.
Risk and underwriting infrastructure for AI agents across commerce and finance.
t54 Labs is building the trust layer for the agentic economy. It provides risk and underwriting infrastructure that helps institutions and applications verify agent identity and intent, assess transaction and counterparty risk before money moves, and preserve evidence for compliance and accountability. t54 also develops agentic financial infrastructure that brings these controls to the protocols and financial rails where agents transact.
Short version
t54 Labs builds the trust layer for the agentic economy — risk and underwriting infrastructure for AI agents transacting across commerce and finance.
02Company facts
What t54 builds
Products, current activity and the official counterparty references that describe t54’s work.
Identity & verification · Risk & fraud
Risk assessment, underwriting, evidence and accountability for AI-agent financial activity. Runs as a standalone portal or embedded directly in agent-payment flows.
IncludesX402 Secure
Identity, intent, risk and evidence controls for x402 agent-payment flows.
Agent-native credit
Controlled credit and payment capacity for AI agents.
Agentic financial kit
Infrastructure for agent-native payment workflows on the XRP Ledger, settling in XRP and RLUSD.
XRPL AI Starter Kitwith Ripple
Contributor to Ripple’s starter kit for building AI agents that transact on XRPL.
Ecosystem data & discovery
A live index, directory and builder resource for agentic activity on XRPL.
Research
Open framework for underwriting and financial risk management of trustworthy AI agents.
Multi-agent economic simulation studying settlement, credit and agent behavior.
Current activity
Reported
0M+Agentic transactions protected and screened
Trustline · AWS case studyPublished case studyOfficial references
03Selected coverage
In the news
Independent reporting on t54’s funding, research and the growth of agent payments.
As featured in
Global business mediaGlobal business magazine8 Apr 2026
What do you do when your AI agent hallucinates with your money?
Editorial coverage of the Agentic Risk Standard and financial risk around autonomous agents.
Read at FortuneDigital-asset news and research21 Jul 2026
Ripple sees XRP Ledger agentic transactions hitting 10-million mark soon
XRPL adoption coverage quoting Chandler on t54’s real-world merchant expansion.
Read at The BlockCrypto industry news8 Jul 2026
XRP Ledger hits 1M AI payments as Ripple-backed t54.ai launches hub
Dedicated coverage of the XRPL AI Hub launch and its role as an index, resource hub and service directory.
Read at crypto.newsKorean blockchain media26 Aug 2026Korean
“AI agents will buy coffee with XRP”: t54 expands agentic payments with Ripple and Mastercard
Original Korean-language interview with Chandler on XRPL, agent payments and real-world merchant adoption.
Read at NexBlock04Press resources
Founders, media kit and contact
Approved bios and headshots, a single media-kit download, and how to reach us.
Leadership
Chandler Fang
Founder, t54 Labs
Chandler Fang is the Founder of t54 Labs. Previously, he was the Lead Product Manager of Payments at Ripple and VP of Product Management at J.P. Morgan’s AI & Blockchain team, Kinexys.
Sergio Chan
Founder, t54 Labs
Sergio Chan is the Founder of t54 Labs; previously he was the Founder & CEO of rct.ai (YC W19, $30M raised), ex-COO of RavenTech (YC W15, acquired by Baidu), ex-Project Lead & Chief of Staff at Baidu Smart Hardware, and an early SenseTime team member.
Media kit
Download the media kit
One ZIP with everything needed to cover t54 accurately.
- t54 logo pack (SVG: standard, dark, color)
- Approved founder headshots (PNG)
- README with full and short boilerplate, press contact and asset-usage note
Download media kitZIP · 1.4 MB
Press contact
press@t54.ai
For interviews, comment requests, speaking invitations and asset approvals.
Page last updated 1 Sep 2026