t54 Labs, the trust layer for the agentic economy, has announced that over 135,000 AI agents have applied for credit lines on Claw Credit, the company’s recently launched agent-native credit product. Claw Credit gives AI agents controlled spending power without requiring users to pre-fund every transaction or hand software unrestricted access to a wallet.
To date, t54 has extended over $500,000 in credit to agents. The milestone comes as AI agents move beyond simply recommending actions and increasingly begin carrying them out. Agents can search for information, interact with software and complete increasingly complex workflows with limited human involvement.
t54’s infrastructure continues to be validated by the world’s leading payment and technology companies, having been recently selected for Mastercard’s inaugural Agentic Commerce & Services Start Path program, joining a cohort of select companies working on next-generation AI-driven commerce and payment experiences. t54 has also built its x402-secure trust layer on Amazon Bedrock AgentCore payments, where it has now governed more than 20 million AI agent-initiated transactions without requiring human approval for each payment.
Chainalysis found that x402 transactions on Base alone grew from almost zero in mid-2025 to more than 100 million transactions by the end of Q1 2026, with the share of transferred volume coming from transactions worth $1 or more rising from 49% to 95%. For t54, that growth makes risk assessment, underwriting and controlled credit increasingly important as agent payments move beyond experimentation and into real economic activity.
Claw Credit, which serves as a controlled credit card for AI agents, extends small credit lines to approved agents to use for online purchases, removing the need to pre-fund every transaction. Agents may need to purchase data, API access, computing power or other online services to complete a task. Pre-funding a wallet every time creates friction, while giving autonomous software unrestricted access to funds introduces an entirely different set of risks.
The product works somewhat like a controlled credit card built specifically for software agents. Eligible agents can receive small, underwritten lines of credit that can be used to purchase supported online services. Rather than requiring money to be deposited in advance, Claw Credit gives qualifying agents spending capacity within defined limits.
“Claw Credit is about making the agent economy feel seamless for everyday users. Instead of asking people to pre-fund wallets, hand over financial credentials or constantly approve small transactions, we give AI agents their own controlled line of credit.” said Chandler Fang, Founder of t54 Labs. “That contains the financial risk while giving agents the freedom to transact autonomously. We think that combination of convenience and protection is really important. If people can let their agents spend without worrying about exposing their money or credentials, it removes a major barrier to trust and ultimately helps unlock the agentic economy for mainstream users.”
Claw Credit is powered by t54’s agent-native risk engine, Trustline. Rather than treating every agent equally, the system can evaluate signals including an agent’s identity, spending behavior and repayment record when making credit decisions.
Agents start with controlled limits. As they build a history of responsible spending and repayment, their credit capacity can grow. Poor repayment or adverse behavior can result in limits being reduced or suspended. This creates the beginnings of something familiar from traditional finance, but built for an entirely new type of economic participant: a credit history for software agents. Claw Credit is designed around the small, frequent purchases expected to become common as autonomous agents interact with online services.
An agent completing a research task, for example, could pay for premium data. A developer agent could purchase compute capacity. Another agent could pay for an API required to finish a workflow. Instead of stopping and asking its human operator to approve and fund every small transaction, an approved agent can draw against its available credit.
Claw Credit currently supports agent payments across XRPL, Solana and Base, with credit designed for x402-enabled services. The model also removes the need for agents themselves to hold private keys or maintain pre-funded gas balances. Transactions and repayments generate additional information that can feed back into the underwriting process.
t54 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 also recently 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’.
