AI agents have processed more than 11.7 million microtransactions on the XRP Ledger, according to Chandler Fang, founder of AI payments startup t54.ai.
In an interview published by the XRPL Foundation on November 15 and recorded at XRP Seoul 2026, Fang said the company's x402 Facilitator has become a bridge between AI agents and payments. Agents can settle using XRP or the RLUSD stablecoin without needing a separate wallet for each agent. Fang noted that XRPL had almost no AI-agent transactions three or four months ago, but volume "got ramped up very quickly."
The most common use case is paying for AI compute. Instead of monthly subscriptions costing $20 to $200, an agent can pay roughly $1 or $0.50 per single task. These low-value, high-frequency payments benefit from XRPL's high throughput and low fees, Fang explained. More than 200 merchants are already on the network.
t54.ai is also part of Mastercard's agentic payment program, focusing on risk management through its Trustline product. The x402 Facilitator processes transactions based on Mastercard Verifiable Intent, a protocol that verifies AI agent behavior. Fang said t54.ai, Ripple and Mastercard are in talks about a three-way collaboration, with initial results expected at an upcoming hackathon.
"The ten million transactions are just a starting point. I think next year you should expect a lot more transactions. Maybe even more transactions settled on XRPL will be done by AI agents than by humans," Fang said.
