AI agents have gone from almost no activity to more than 10 million transactions on the XRP Ledger, according to t54.ai founder Chandler Fang. He expects agents to settle more payments on the network than humans as soon as next year.
Chandler Fang, founder of AI payments startup t54.ai, said the company's x402 Facilitator on the XRP Ledger (XRPL) has processed more than 10 million AI agent transactions. He made the comments in an interview that the XRPL Foundation published on X on November 15, where the interviewer put the figure at 11.7 million.
Fang said XRPL had almost no AI agent transactions three or four months before the interview, which was recorded at XRP Seoul 2026. Volume then ramped up quickly over three months, he said.
Agents pay per task with XRP or RLUSD
The x402 Facilitator connects AI agents to payments. Agents can use XRP or the RLUSD stablecoin to move money without a separate wallet setup for each agent, and Fang said more than 200 merchants are already on the network.
According to Fang, the most common use case is paying for AI compute. Instead of a $20 to $200 monthly subscription, an agent can pay about $1 or 50 cents for a single task, settled on XRPL.
Fang argued that such payments carry low value and high frequency, so XRPL's high throughput and low fees give it an advantage. He also expects agent payments to move into real-life purchases over the next few quarters.
t54.ai works with Mastercard on agent risk
Trust is the main issue for agent payments, Fang said, and t54.ai's Trustline product focuses on risk management for the financial activity of AI agents. He compared it with the chargeback feature of credit cards.
t54.ai is also part of Mastercard's agentic payment program, where it is responsible for risk management. The x402 Facilitator processes transactions based on Mastercard Verifiable Intent, a protocol that verifies the behavior of AI agents.
Fang said t54.ai, Ripple and Mastercard are in talks about a three-way collaboration, and the first results will be shown at an upcoming hackathon. According to Fang: "The ten million transactions are just a starting point." He added that maybe even more transactions settled on XRPL will come from AI agents than from humans next year.
Source: U.Today
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