San Francisco, USA, October 29th, 2026, FinanceWire
Agreements with RiskX, Hecto Financial and Arco Financial span payments, personalized structured investments and tokenized assets
t54 Labs, the trust layer for the agentic economy, announced it has signed three separate memoranda of understanding (MOUs) with RiskX, Hecto Financial and Arco Financial. The agreements cover proposed work in AI agent payments, personalized structured investments and tokenized asset workflows.
The collaborations build upon t54’s ongoing relationships with top financial services and technology companies, helping them integrate AI agents into their operations through secure, scalable payment infrastructure. As part of the agreements with RiskX, Hecto Financial and Arco Financial, t54 will explore how its infrastructure can help verify the identity and authority of agents requesting financial transactions on behalf of users.
“Agent payments require more than a payment method; they also require a process for verifying that the authority granted to an agent aligns with the actual transaction,” said Chandler Fang, co-founder of t54.
Hecto Financial: Connecting agent payments with existing infrastructure
Hecto Financial, a South Korean provider of payment, banking and settlement services, and t54 will explore connecting Trustline, t54’s risk engine, with existing payment infrastructure to support agent identity verification and transaction risk assessment.
The initial focus is assessing the feasibility of Know Your Agent (KYA) verification on Hecto Financial’s AI Payment Platform, which is currently under development. Discussions are expected to expand to checking whether agent-requested payments align with user intent and authorized limits before execution. The companies will also explore potential x402 and stablecoin use cases connecting merchants with AI agents.
RiskX: Exploring personalized structured investment
RiskX is a South Korean fintech whose technology helps financial institutions design and value structured investment products, manage risk and automate trading workflows.
RiskX and t54 plan to develop a proof of concept for an AI-powered, personalized structured-investment solution. The proposed work will combine RiskX’s structured-product expertise with t54’s agent identity and risk infrastructure to examine how agents could understand customers’ investment objectives and risk parameters, identify appropriate product structures and operate within defined permissions.
Arco Financial: Exploring agent finance on the XRP Ledger
Arco Financial is building infrastructure for the on-chain distribution and allocation of tokenized assets. The companies will explore connecting Arco Vault to the XRP Ledger (XRPL) ecosystem and introducing suitable services through the XRPL AI Hub.
The companies will examine how Trustline could assess agent identity, delegated authority and transaction risks before payments or asset transfers are executed. Under the proposed structure, Arco Financial would be responsible for asset allocation decisions and the operation of Arco Vault. Initial use cases, technical validation, integration methods and testing schedules will be determined through subsequent discussions.
t54 also recently participated in a cross-institutional research paper alongside Google DeepMind, Microsoft Research, Columbia University, Stanford University and Virtuals Protocol. The paper proposes a new Agentic Risk Standard (ARS), a framework that applies financial risk management principles to AI agent transactions.
t54 previously announced their $5 million seed funding round, which was led by Anagram, PL Capital, and Franklin Templeton, with strategic participation from Ripple, Virtuals Ventures and Blockchain Coinvestors. t54 is led by Chandler Fang. Prior to t54, Chandler was the Lead Product Manager of Payments at Ripple, where he led the company’s blockchain-powered cross-border payments platform, ‘Ripple Payment’.
About t54
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.
For more information, visit t54.ai.
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