23 January 2026

Evernorth s Ambitious AI-Driven XRP Treasury Initiative


Institutional interest in digital assets is on the rise, with Evernorth leading the charge by announcing its plans to build a billion-dollar, AI-driven XRP treasury. This initiative marks a shift towards autonomous and large-scale digital asset management.
Evernorth is raising over 1 billion to build the largest institutional XRP treasury. Unlike passive ETFs, Evernorth will actively grow its holdings through institutional lending, liquidity provisioning, and DeFi yield strategies on the XRP Ledger.
This strategy allows Evernorth to go beyond traditional investment methods by directly engaging with on-chain markets. However, managing such a large institutional treasury comes with challenges, including the need for constant monitoring, quick deployment of yield strategies, and careful risk management during volatile periods.
AI-powered agents play a crucial role in these operations, handling tasks like execution, liquidity management, and real-time market responses. For large institutional treasuries, using autonomous systems is essential for maintaining efficiency and precision in decentralized financial environments.
Evernorth intends to integrate t54 s agentic finance infrastructure and trust layer to power their autonomous treasury operations on XRPL bringing verification, risk assessment, and compliance to AI-powered treasury management.
The collaboration with t54 is key to Evernorth s strategy. It will enhance their autonomous treasury operations by adding features like pre-settlement verification and real-time risk evaluation. This partnership aims to address regulatory and operational needs for institutional participants.
Evernorth is backed by major players like Ripple and Kraken and is preparing for a Nasdaq listing under the ticker XRPN following a proposed SPAC merger. Through active treasury management and ecosystem participation, Evernorth seeks to provide regulated exposure to XRP while increasing its value over time.

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