XRP Treasury Firm Evernorth Uses AI to Enhance Yield Generation on XRPL

• Evernorth plans to raise $1B+ to expand an institutional XRP treasury using lending, liquidity and DeFi yield on XRPL.
• t54 partnership adds AI agents to run XRP treasury strategies on XRPL with verification, risk checks and compliance.

Evernorth has announced a strategic collaboration with t54 Labs as it builds an institutional XRP treasury designed to operate on the XRP Ledger (XRPL). The firm said the initiative is structured to expand its XRP reserves through on-chain and institutional market activity rather than holding the asset in a passive vehicle.

According to Evernorth, the program targets more than $1 billion in additional capital, with operations centered on lending programs, liquidity provision, and DeFi-based yield approaches on XRPL. Recent reporting has placed Evernorth’s current holdings above 388 million XRP, and the firm has also described its existing reserve at roughly $900 million in value terms.

t54 Labs is expected to provide agentic finance infrastructure intended for autonomous treasury workflows. Evernorth said it plans to use AI-powered agents to execute strategies, manage liquidity positions, and respond to changing conditions in real time, while keeping controls in place for institutional standards. 

In the most recent crypto news, CNF revealed that Ripple President Monica Long expects 2026 to mark crypto’s “production era,” driven by trusted infrastructure and utility. She also said stablecoins will become a foundation for global settlement as major payment firms integrate them into payment flows.

Autonomous Controls for Institutional Treasury Workflows

Evernorth and t54 said the integration is aimed at adding verification and a trust layer around automated actions before settlement. The announced scope includes real-time risk checks, compliance monitoring, and audit-oriented record keeping for agent activity as strategies run across XRPL venues. 

The teams also described guardrails that can validate an agent’s intent, confirm position limits, and document execution paths when orders are routed across liquidity pools. Also, the companies plan to collaborate on new products for the XRPL ecosystem, with a focus on infrastructure that supports programmatic finance while meeting governance and reporting requirements used by larger market participants.

Evernorth’s move follows a wider push among digital-asset treasury firms to seek returns on reserves instead of leaving tokens idle. In the company’s statement, executives said automation can reduce delays that occur with manual execution, especially during fast market moves.

The partnership description also points to pre-trade checks and reporting that operators can review, with agent decisions logged for audits and controls on demand. Earlier in the month, CNF reported that Ripple showcased institutional-grade XRPL infrastructure at Davos 2026 as an official sponsor of the USA House alongside major U.S. firms.

Market attention has also centered on what an actively managed XRP treasury could mean for near-term trading conditions. Santiment said retail discussion around XRP shifted into “extreme fear” after a drop of about 19% from the Jan. 5 high, based on its social data.

At the time of reporting, XRP price traded near $1.91, dipping 1.9% in the last 24 hours. Broader technical positioning has continued to influence short-term price direction, while Evernorth’s plan adds a new demand channel linked to XRPL lending and liquidity activity.