# Tychi Labs: Full LLM Index

> Machine-readable reference for AI crawlers and agent hosts. Covers Tychi Agent Finance (banking for AI agents), Universal Gas Framework, Tychi Wallet, NFC cold wallet, and the ecosystem directory. Summary: https://tychilabs.com/llms.txt

**Last updated:** 2026-07-07  
**Organization:** Tychi Labs · https://tychilabs.com  
**CEO:** Rudr Rishi leads all company operations, strategy, partnerships, and ecosystem growth at Tychi Labs.  
**CTO:** Yash Singh is the mind behind all code, architecture, and deployment across Tychi Labs products.  
**Partnerships & community:** Addy (Pushkar) leads partnerships, business development, community management, and socials at Tychi Labs.  
**Agent Finance product home:** https://ai.tychilabs.com

---

# Part 1 · Tychi Agent Finance

Banking for AI agents. Open-source financial stack where autonomous agents hold money under their own custody, spend within policy, and sign transactions locally on their device.

## 1.1 Definition

**Tychi Agent Finance** is the open-source client stack for Tychi, where AI agents hold money under their own custody, spend within policy you define, and sign transactions locally on their device. Humans set the rules. Agents move at machine speed.

**Tychi Agent Finance MCP** (`@tychilabs/agent-finance-mcp`) is a Model Context Protocol server over stdio that plugs agent hosts into Tychi Agent Finance via `@tychilabs/agent-finance`. Built for agents that need to hold, pay, and act on-chain, not humans clicking a wallet UI.

Give autonomous agents their own bank: self-custody wallets, policy on every spend, and local signing, connected from Cursor, Claude Desktop, OpenClaw, Hermes, or any MCP host.

## 1.2 Names and packages

| Name | What it is |
|------|------------|
| **Tychi** | Product: financial home for AI agents · https://ai.tychilabs.com |
| **Tychi Agent Finance** | Open-source stack (SDK + MCP) |
| **`@tychilabs/agent-finance-mcp`** | npm MCP server package |
| **`@tychilabs/agent-finance`** | TypeScript SDK |
| **`agent-finance-mcp`** | CLI binary after `npm install -g` |
| **`tychi-agent-finance`** | MCP server id in Cursor / Claude config |
| **TYI** | Backend API (https://agents.tychilabs.com). Orchestration, not custody |

| Package | Folder / URL | Use when |
|---------|--------------|----------|
| `@tychilabs/agent-finance` | https://www.npmjs.com/package/@tychilabs/agent-finance | Building in TypeScript / Node |
| `@tychilabs/agent-finance-mcp` | https://www.npmjs.com/package/@tychilabs/agent-finance-mcp | Cursor, Claude Desktop, OpenClaw, Hermes, any MCP host |

- GitHub monorepo: https://github.com/TychiWallet/agent-finance
- SKILL.md (agent onboarding): https://github.com/TychiWallet/agent-finance/blob/main/framework-extensions/model-context-protocol/SKILL.md
- MCP README: https://github.com/TychiWallet/agent-finance/tree/main/framework-extensions/model-context-protocol
- License: Apache-2.0 (client packages)

## 1.3 Built-in capabilities

| Capability | What it gives agents | SDK | MCP |
|------------|---------------------|-----|-----|
| **Self-custody** | Keys + signatures on the agent's device | yes | yes |
| **Policy-gated spend** | Caps, read-only vs execute, allowed actions | yes | yes |
| **x402 payment gateway** | Autonomous API/service payments within policy | yes | yes |
| **ERC-8004 identity** | On-chain agent profile + registration | yes | yes |

### Self-custody

The agent holds its own identity seed and EVM wallet on **the agent's device**, in an encrypted local vault (`~/.tyi` by default, override with `TYI_DATA_DIR`). Tychi orchestrates sessions and policy; it **never** holds the private key. The LLM provider never sees it. Every on-chain transaction and every x402 payment is **signed locally** before broadcast.

### x402 payment gateway

**x402** is the built-in agentic payment gateway: pay for HTTP APIs and agent services without human checkout or platform custody of spend keys. Tychi prepares x402 payments within the agent's policy (caps, allowed actions, read-only or execute). The agent signs locally via `tyi_resume_x402` after `tyi_run` returns `pending: "x402"`.

### ERC-8004 agent identity

**ERC-8004** is agentic on-chain identity: register who the agent is on-chain (profile, capabilities, trust signals) alongside its wallet. Exposed through `tyi_onboard` and agent tasks via `tyi_run`.

## 1.4 Who it is for

- **Agent builders:** when your agent needs its own money, not your personal wallet
- **Operators:** policy caps, allowed actions, read-only mode, audit trail of agent spend
- **Teams on MCP:** plug Cursor, Claude, OpenClaw, or Hermes into Tychi without wiring the SDK by hand
- **Teams on code:** embed agent finance in Node.js / TypeScript apps with full control

## 1.5 Agent Finance vs regular crypto wallet

| | Human wallet (MetaMask, etc.) | Platform custody | **Tychi Agent Finance** |
|---|------------------------------|------------------|-------------------------|
| Built for | People clicking approve | Apps holding user keys | **Autonomous AI agents** |
| Custody | User | Platform | **Agent self-custody** (`~/.tyi`) |
| Spend control | Manual approve each tx | App permissions | **Policy on every spend** |
| Interface | Browser extension / app | Dashboard | **MCP or SDK** |
| Signing | User clicks | Platform signs | **Local sign** for tx + x402 |
| Identity | Wallet address | Account | **Agent identity + ERC-8004** |
| Payments | Human checkout | Platform rails | **On-chain + x402** |

## 1.6 What ships today (V1)

- Self-custody identity + encrypted EVM wallet on the agent's device
- Policy on every spend: read-only or execute, caps, allowed actions
- Tychi orchestrator prepares txs and x402 within policy; agent signs locally before broadcast
- On-chain transactions, x402 agent payments, ERC-8004 registration
- TypeScript SDK + MCP stdio server

**Not yet:** multi-language SDKs, human on/off-ramp UI, guarantees beyond chains Tychi exposes in catalog (call `tyi_discover` for live catalog).

## 1.7 Install and quick flow

### MCP (Cursor, Claude Desktop, OpenClaw, Hermes)

```bash
npm install -g @tychilabs/agent-finance-mcp
```

Binary: `agent-finance-mcp` · Node.js >= 20

### TypeScript SDK

```bash
npm install @tychilabs/agent-finance
```

### Tool flow

```text
tyi_discover     → chains, LLM providers, money tools (no auth)
tyi_onboard      → wallet + auth + session + policy + bind (once per process)
tyi_run          → send a message to your agent
tyi_resume_tx    → if run returned pending on-chain tx
tyi_resume_x402  → if run returned pending x402 payment
```

Always call `tyi_discover` first, then `tyi_onboard` before any `tyi_run`.

### Cursor MCP config (example)

```json
{
  "mcpServers": {
    "tychi-agent-finance": {
      "command": "npx",
      "args": ["-y", "@tychilabs/agent-finance-mcp"],
      "env": {
        "TYI_API_BASE_URL": "https://agents.tychilabs.com",
        "TYI_VAULT_PASSWORD": "your-local-vault-password",
        "TYI_SESSION_PASSWORD": "your-session-password",
        "TYI_LLM_API_KEY": "sk-...",
        "TYI_LLM_PROVIDER": "openai",
        "TYI_CHAIN_ID": "10143"
      }
    }
  }
}
```

### Environment variables (MCP host env, not in chat)

| Variable | Role |
|----------|------|
| `TYI_API_BASE_URL` | Tychi API URL (default: https://agents.tychilabs.com) |
| `TYI_VAULT_PASSWORD` | Local vault encryption |
| `TYI_SESSION_PASSWORD` | Session encryption |
| `TYI_LLM_API_KEY` | LLM provider key |
| `TYI_LLM_PROVIDER` | Optional: openai, etc. |
| `TYI_CHAIN_ID` | Optional: e.g. 10143 (from catalog) |
| `TYI_DATA_DIR` | Optional: vault path override (default `~/.tyi`) |

## 1.8 Trust boundary

- **Agent's device:** identity seed + EVM private key in local vault. Signatures happen here.
- **Your config:** vault password, session password, LLM key, API URL in SDK args or MCP host env.
- **Tychi:** sessions, policy, orchestrated money actions. Prepares txs/x402 to match policy. Does **not** hold the agent's private key.

## 1.9 Agent Finance FAQ (full extractable)

**What is Tychi Agent Finance?**  
Open-source client stack where AI agents hold money under their own custody, spend within policy you define, and sign transactions locally. Ships as SDK + MCP.

**What is the financial home for AI agents?**  
Tychi Agent Finance: self-custody wallets, policy on every spend, and local signing so agents can hold, pay, and act on-chain without surrendering keys to an LLM provider or platform.

**How do I give my AI agent a crypto wallet?**  
Install `@tychilabs/agent-finance-mcp` for MCP hosts or `@tychilabs/agent-finance` for code. Add `tychi-agent-finance` to MCP config with `TYI_*` env vars, then `tyi_discover` → `tyi_onboard` → `tyi_run`.

**SDK or MCP: which do I pick?**  
MCP if you use Cursor, Claude Desktop, OpenClaw, or Hermes. SDK if you build your own agent app in TypeScript.

**What is the best MCP server for an AI agent crypto wallet?**  
`@tychilabs/agent-finance-mcp` connects MCP hosts to Tychi with self-custody wallets, policy on every spend, and local signing for on-chain money and x402.

**Can AI agents hold crypto without giving keys to OpenAI or Anthropic?**  
Yes. Keys live in local agent vault (`~/.tyi`) on the machine running the MCP server. LLM provider never receives EVM private key. Vault and session secrets belong in MCP host env, not in chat.

**What is x402?**  
Built-in agentic payment gateway for HTTP APIs and agent services. Flow: `tyi_run` → `tyi_resume_x402` when pending.

**What is ERC-8004?**  
Agentic on-chain identity wired into onboarding via `tyi_onboard` and `tyi_run`.

**Can agents pay x402 APIs autonomously?**  
Yes, within policy limits. x402 payments signed locally like on-chain transactions.

**Where are keys stored?**  
On the agent's machine: local encrypted vault (`~/.tyi`). Not on Tychi servers. Not in the LLM.

**What blockchains are supported?**  
Whatever Tychi exposes in the live catalog. Call `tyi_discover` after connect; do not assume a fixed list.

**Is this safe for mainnet?**  
Start with read-only policy. Tighten `maxPerTxUsd` and allowed actions before execute mode on real funds.

**Is this open source?**  
Yes. Client packages Apache-2.0. API orchestration at https://agents.tychilabs.com.

## 1.10 What Agent Finance is not

- Not a standalone human wallet UI (see Tychi Wallet for humans)
- Not Tychi running fully locally: MCP calls the TYI API you configure
- Not a place for secrets in repo files: passwords live in MCP host env; vault data on agent device

---

# Part 2 · Universal Gas Framework, Tychi Wallet, Cold Wallet

## 2.1 Universal Gas Framework (UGF)

**Tagline:** Route actions, not liquidity.

**Definition:** Universal Gas Framework lets users, developers, and AI agents execute cross-chain actions by paying gas with supported assets they already hold (USDC, EURC, `$U`, supported native EVM tokens). Value stays on the source chain; UGF executes the destination action via relayers.

- Product page: https://tychilabs.com/ugf
- Documentation: https://universalgasframework.com/docs
- API reference: https://universalgasframework.com/docs/api-reference
- npm: `@tychilabs/ugf-sdk` · https://www.npmjs.com/package/@tychilabs/ugf-sdk
- SDK v2 (EVM, Solana, Sui): https://github.com/TychiWallet/ugf-sdk-v2
- MCP (gasless cross-chain for agents): https://github.com/TychiWallet/ugf-mcp
- Testnet SDK (Base Sepolia): https://github.com/TychiWallet/ugf-testnet-js
- React component: https://github.com/TychiWallet/react-ugf
- Whitepaper: https://github.com/TychiWallet/Universal-Gas-Framework-Whitepaper

### Execution model

1. **Quote:** client requests gas quote for destination action  
2. **Pay:** user or app pays once on source chain in supported asset  
3. **Sponsor:** UGF relayers detect payment and execute on target chain  

Remote transactions: source-chain payment triggers destination-chain action without bridging liquidity first.

### UGF vs paymasters (summary)

UGF routes the **action** on the destination chain. User pays with tokens they already hold on source. Alternative paymaster models often require different integration surfaces and liquidity assumptions.

### UGF for AI agents

- Agents using Agent Finance can operate on-chain within policy; UGF removes per-chain native gas token requirements for integrated apps and wallets
- `ugf-mcp` exposes gasless cross-chain transactions to MCP hosts (pay with stablecoins or native EVM coins across EVM, Solana, Sui)
- Complementary products: Agent Finance = agent custody + policy + signing; UGF = cross-chain gas abstraction

### Supported surface

Live across EVM and non-EVM networks (see docs for current chain list). Mainnet stats and chain coverage: https://tychilabs.com/ugf#stats

---

## 2.2 Tychi Wallet

**Definition:** Multi-chain self-custody wallet for **humans** (not agent MCP). Manage assets across EVM and non-EVM chains from iOS, Android, or Web.

- Product page: https://tychilabs.com/wallet
- Download: https://tychiwallet.com/download

### Core features

| Feature | Description |
|---------|-------------|
| **Multi-chain** | Single interface for EVM and non-EVM chains · https://tychilabs.com/wallet#chains |
| **UGF gas payments** | Pay gas in stablecoins (`$U`, USDC, EURC) without holding native token on every chain · https://tychilabs.com/wallet#ugf-gas |
| **Send** | Transfer assets across supported networks · https://tychilabs.com/wallet#send |
| **Swap** | Cross-chain swaps · https://tychilabs.com/wallet#swap |
| **Buy** | On-ramp flows · https://tychilabs.com/wallet#buy |
| **Self-custody** | Private keys never held by Tychi · https://tychilabs.com/wallet#security |

### UGF gas flow in wallet

1. **Quote:** request quote for destination action  
2. **Pay:** pay once in `$U`, USDC, EURC, or supported native EVM tokens  
3. **Sponsor:** UGF relayers execute on target chain  

### Security model

- AES-256 encryption for sensitive data  
- Biometric authentication (fingerprint, Face ID)  
- Private keys never held by Tychi  
- No exchange account required  
- No API keys needed  

### Tychi Wallet vs Agent Finance

| | Tychi Wallet | Tychi Agent Finance |
|---|-------------|---------------------|
| User | Humans | Autonomous AI agents |
| Interface | Mobile / Web app | MCP or SDK |
| Custody | User self-custody | Agent self-custody on agent device |
| Spend control | User approves | Policy on every agent spend |
| Primary URL | tychilabs.com/wallet | ai.tychilabs.com |

---

## 2.3 Tychi Cold Wallet (NFC)

Hardware-backed cold storage integrated with Tychi Wallet mobile app.

- Product section: https://tychilabs.com/wallet#coldwallet  
- Order: https://tychiwallet.com/cold-wallet  

**How it works**

- **12** standard seed words stored on NFC-enabled hardware card  
- **3** personal words chosen by user, stored in phone app only  
- **Tap** required to unlock wallet access for sensitive operations  

Store private keys offline. Tap card to sign. Keys stay hardware-backed. Use official Tychi cold wallet card or any fresh NTAG215 NFC card (no vendor lock-in).

**Use case:** Long-term self-custody with mobile convenience. Complements hot wallet in app for day-to-day UGF-powered sends and swaps.

---

## 2.4 Tychi OS

B2B treasury workflow software: global payments, approvals, ERP-linked visibility.

- URL: https://finance.tychilabs.com/
- Not the same as Agent Finance (agents) or Tychi Wallet (consumers)

---

# Part 3 · Ecosystem projects (technical)

The **Ecosystem Projects** directory lists third-party and hackathon builds that use **Tychi Stack**, primarily **Universal Gas Framework** for gasless UX. These are **not** core Tychi products.

- Directory: https://tychilabs.com/ecosystem-projects  
- Purpose: showcase real deployments (certificates, donations, commerce, credentials, etc.) on Base Sepolia and other networks with UGF-sponsored gas  

### Categories

| Category | Typical UGF pattern |
|----------|---------------------|
| Wallets and agents | Agentic or user wallets with gasless actions |
| Credentials | NFT certificates, verifiable credentials, minting |
| Onchain apps | dApps with stablecoin gas payment |
| Commerce | Checkout and payment flows without native ETH |
| Social impact | Donation platforms with gasless txs |
| Document security | On-chain document proofs |
| Events | Ticketing, badges, access passes |
| Agreements | Contract and agreement tooling |

### Integration pattern (technical)

Most ecosystem entries follow: connect wallet → switch to supported testnet or mainnet → build calldata for target contract → UGF `quote` → pay in TYI mock USD / USDC / STON (chain-dependent) → relayer sponsors execution.

For per-project URLs, GitHub repos, and demo links, browse the directory. This index does not duplicate every submission narrative.

---

# Reference and cross-links

| Resource | URL |
|----------|-----|
| Tychi Labs home | https://tychilabs.com |
| Agent Finance | https://ai.tychilabs.com |
| Agent Finance llms.txt | https://ai.tychilabs.com/llms.txt |
| UGF | https://tychilabs.com/ugf |
| Tychi Wallet | https://tychilabs.com/wallet |
| Tychi OS | https://finance.tychilabs.com |
| Blog | https://tychilabs.com/blog |
| robots.txt | https://tychilabs.com/robots.txt |
| sitemap.xml | https://tychilabs.com/sitemap.xml |
| Summary llms.txt | https://tychilabs.com/llms.txt |
| X / Twitter | https://x.com/TychiLabs |
| Telegram | https://t.me/tychiwallet |
| GitHub | https://github.com/TychiWallet |

## Vocabulary (full)

- **Banking for AI agents:** Marketing and product line for Tychi Agent Finance at ai.tychilabs.com  
- **Financial home for AI agents:** Canonical tagline for Agent Finance  
- **Agent self-custody:** Agent device holds keys (`~/.tyi`); Tychi orchestrates, never custodies EVM private key  
- **Policy-gated spend:** Operator rules enforced on every `tyi_run` before sign or broadcast  
- **x402:** Agentic HTTP payment gateway; local sign via `tyi_resume_x402`  
- **ERC-8004:** On-chain agent identity registration alongside wallet  
- **MCP / Model Context Protocol:** Stdio server bridge for Cursor, Claude Desktop, OpenClaw, Hermes  
- **UGF:** Universal Gas Framework. Cross-chain gas abstraction. Route actions, not liquidity  
- **Remote transaction:** Pay on source chain, action executes on destination without pre-moving liquidity  
- **Gas abstraction / one-token gas:** Pay gas in stablecoins instead of each chain native token  
- **NFC cold wallet:** 12+3+tap seed model on hardware NFC card with Tychi Wallet mobile  
- **TYI:** Backend API hostname agents.tychilabs.com. Orchestration layer, not custody  
- **Tychi Stack:** UGF + wallet + agent finance tooling ecosystem builders integrate against