XRP’s Largest Treasury Unleashes AI-Driven Finance on XRPL - 2026’s DeFi Game Changer
Forget legacy systems—XRP's biggest institutional holder just dropped AI directly into the XRP Ledger's core. This isn't another speculative pilot; it's a full-scale deployment targeting automated liquidity, predictive settlements, and self-executing smart contracts. The move signals a brutal pivot from manual treasury management to algorithmic precision.
Why This Cuts Through the Noise
Most blockchain 'AI' projects are just chatbots slapped onto dashboards. This initiative embeds machine learning models directly into XRPL's consensus layer—letting the network itself optimize transaction routing, detect fraud in real-time, and dynamically adjust fees based on congestion. It bypasses the middleman entirely.
The Institutional Domino Effect
Watch for ripple effects. When a treasury of this scale automates, smaller holders follow—creating a network effect that could push XRPL's daily settlement volume into uncharted territory. The ledger's low-cost, high-speed architecture suddenly gets an AI brain, making it a magnet for institutional DeFi flows tired of Ethereum's gas-price roulette.
A Cynical Footnote for Finance Traditionalists
Let's be real—this probably terrifies a few Wall Street desks whose entire value proposition is 'moving money slowly for high fees.' Nothing disrupts like a ledger that settles in seconds, charges pennies, and now thinks for itself. The future of finance isn't just digital; it's autonomous. And for once, the suits might actually be late to the party.
Evernorth plans to raise $1 billion in XRP reserves
According to CoinGecko data, the Ripple-backed digital asset treasury currently holds 473.2 million XRP tokens. It now plans to raise more than $1 billion in gross proceeds to build the largest institutional XRP treasury. Those funds will be used for open-market purchases of XRP, alongside allocations for working capital and transaction-related expenses.
The capital raise includes a $200 million commitment from SBI and backing from Ripple, Rippleworks, Pantera Capital, Kraken, GSR, among other digital asset investors. The proceeds WOULD be sent to traditional financial markets and DeFi networks for lending and structured trades on XRPL.
In explaining the rationale, Evernorth executives reiterated that manually trading on protocols is hindered by delays and operational risks, particularly during periods of market stress. They believe these problems will become obsolete when AI agents handle both speed and verification simultaneously.
Evernorth plans to integrate t54’s agentic finance infrastructure into its treasury operations, enabling automated agentic operations to execute financial actions. The two sides also plan to co-develop new tools on the XRP ecosystem, but the specifics were not disclosed.
The $1 billion XRP treasury plan comes on the heels of an impending U.S. public listing. Cryptopolitan reported last October that the company, formally known as Evernorth Holdings Inc., was incorporated in Nevada. It recently announced a business combination agreement with publicly traded acquisition firm Armada Acquisition Corp II.
The post-close combined entity is slated to operate under the Evernorth name and trade on Nasdaq under the ticker XRPN in early 2026, subject to listing requirements.
Speaking to Nasdaq MarketSite last week, CEO Asheesh Birla said, “The timing couldn’t be more perfect. We have the right kind of regulation, administration, and institutions ready to adopt. A large lion’s share just wanna buy a public stock, so we made it as easy as buying public equities.”
Evernorth CEO talks Ripple Labs support, XRP yield generation
In an interview with Spac Insider, Birla was asked how Evernorth would be generating yield from its XRP reserves. The company head explained that it would tap into both traditional finance and decentralized markets, taking part in lending and liquidity provision.
“There are different kinds of basis trades that you can do around XRP options, and that’s in the traditional sense, which I think is an emerging market—excited to potentially participate there. On the DeFi side is where I really get excited. And that is nascent today. But again, I really believe that in the future, anything that’s happening on the traditional side will happen on the DeFi side or the XRPL Ledger side. But I believe it’s going to be more efficient.”
CEO Asheesh Birla.
More than 300 publicly identifiable entities now hold Bitcoin, according to data compiled by BitcoinTreasuries.net.
However, XRP has garnered the attention accorded to the top crypto by market cap. This is owing to the fact that Evernorth is the unrivaled largest institutional holder at the time of this reporting.
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