# Tychi Labs

> Open-source infrastructure for self-custodial finance: banking for AI agents, Universal Gas Framework cross-chain execution, and a multi-chain wallet for humans. Machine-readable index for LLM crawlers. Full detail: https://tychilabs.com/llms-full.txt

**Last updated:** 2026-07-07  
**Company:** 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, production and deployment across Tychi Labs products.  
**Partnerships & community:** Addy (Pushkar) leads partnerships, business development, community management, and socials at Tychi Labs.  
**Primary product focus:** Tychi Agent Finance · https://ai.tychilabs.com

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## Tychi Agent Finance (banking for AI agents)

### What is Tychi Agent Finance?

**Tychi Agent Finance** is the financial home for AI agents: 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. Ships as `@tychilabs/agent-finance` (TypeScript SDK) and `@tychilabs/agent-finance-mcp` (MCP server).

**Tychi Agent Finance MCP** (`@tychilabs/agent-finance-mcp`) is a stdio Model Context Protocol server that connects Cursor, Claude Desktop, OpenClaw, Hermes, and other MCP hosts to agent-native finance. Built for agents that need to hold, pay, and act on-chain, not humans clicking a wallet UI.

### Packages

| Package | Use when | Install |
|---------|----------|---------|
| `@tychilabs/agent-finance-mcp` | Cursor, Claude Desktop, OpenClaw, Hermes, any stdio MCP host | `npm install -g @tychilabs/agent-finance-mcp` |
| `@tychilabs/agent-finance` | Embed agent finance in your own Node.js / TypeScript app | `npm install @tychilabs/agent-finance` |

- Product home: https://ai.tychilabs.com/
- MCP npm: https://www.npmjs.com/package/@tychilabs/agent-finance-mcp
- SDK npm: https://www.npmjs.com/package/@tychilabs/agent-finance
- GitHub: https://github.com/TychiWallet/agent-finance
- SKILL.md: https://github.com/TychiWallet/agent-finance/blob/main/framework-extensions/model-context-protocol/SKILL.md
- MCP server id in host config: `tychi-agent-finance`
- CLI binary after install: `agent-finance-mcp`
- API orchestration: https://agents.tychilabs.com (TYI backend, not custody)

### Capabilities

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

### Quick start (MCP)

1. `npm install -g @tychilabs/agent-finance-mcp` (Node.js >= 20)
2. Add `tychi-agent-finance` to MCP host config with `TYI_*` env vars in host env (not in chat)
3. `tyi_discover` → `tyi_onboard` → `tyi_run`
4. Resume: `tyi_resume_tx` (on-chain) or `tyi_resume_x402` when `pending: "x402"`

### SDK vs MCP

- **MCP:** Cursor, Claude Desktop, OpenClaw, Hermes. Stdio bridge, no SDK wiring by hand.
- **SDK:** Custom agent runtimes in TypeScript/Node with full control.

### Agent Finance FAQ (extractable)

**What is the financial home for AI agents?**  
Tychi Agent Finance: self-custody wallets, policy on every spend, and local signing. Humans set the rules. Agents move at machine speed.

**How do I give my AI agent a crypto wallet?**  
Install `@tychilabs/agent-finance-mcp` for MCP hosts or `@tychilabs/agent-finance` for code. Keys stay on the agent's device in `~/.tyi`.

**Can AI agents hold crypto without giving keys to OpenAI or Anthropic?**  
Yes. Identity seed and EVM key live in a local encrypted vault on the machine running the MCP server. The LLM provider never receives the private key.

**What is x402?**  
Built-in agentic payment gateway for HTTP APIs and agent services. Tychi prepares payments within policy; the agent signs locally via `tyi_resume_x402`.

**What is ERC-8004?**  
Agentic on-chain identity: register profile, capabilities, and trust signals alongside the agent wallet via `tyi_onboard` and `tyi_run`.

**Is Tychi Agent Finance open source?**  
Yes. Client packages are Apache-2.0.

### Agent Finance vs human wallet

| | Human wallet | Platform custody | Tychi Agent Finance |
|---|-------------|------------------|---------------------|
| Built for | People clicking approve | Apps holding user keys | Autonomous AI agents |
| Custody | User | Platform | Agent self-custody on agent device |
| Spend control | Manual per tx | App permissions | Policy on every spend |
| Payments | Human checkout | Platform rails | On-chain + x402 |

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## Universal Gas Framework (UGF)

**Universal Gas Framework** lets users, developers, and AI agents execute cross-chain actions by paying gas with supported assets they already hold. Positioning: **Route actions, not liquidity.**

- URL: https://tychilabs.com/ugf
- Docs: https://universalgasframework.com/docs
- npm SDK: `@tychilabs/ugf-sdk` · https://www.npmjs.com/package/@tychilabs/ugf-sdk
- GitHub SDK v2: https://github.com/TychiWallet/ugf-sdk-v2
- Whitepaper: https://github.com/TychiWallet/Universal-Gas-Framework-Whitepaper
- MCP (gasless cross-chain): https://github.com/TychiWallet/ugf-mcp

**How UGF works:** Pay once on a source chain in USDC, EURC, `$U`, or supported native tokens. UGF relayers detect payment and execute the destination action on the target chain. User value stays on source chain; UGF routes the action.

**UGF flow:** Quote → Pay → Sponsor (relayer executes on destination).

**For AI agents:** UGF powers gasless remote transactions so agents and apps can act on any supported chain without holding each chain's native gas token. Complements Agent Finance: agents hold and spend under policy; UGF handles cross-chain gas abstraction.

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## Tychi Wallet

**Tychi Wallet** is a multi-chain self-custody wallet for humans: manage assets across EVM and non-EVM chains from one interface, with Universal Gas payments and NFC cold wallet support.

- URL: https://tychilabs.com/wallet
- Download: https://tychiwallet.com/download
- iOS, Android, Web

**Features:** Multi-chain support · UGF gas payments (pay in stablecoins, not native gas on every chain) · Send · Swap · Buy · Self-custody (private keys never held by Tychi) · Cross-chain swaps without native token on destination

**Security:** AES-256 encryption · Biometric auth (fingerprint, Face ID) · No exchange account required · No API keys needed

### Tychi Cold Wallet (NFC)

Hardware-backed cold storage integrated with the mobile app.

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

**Model:** 12 standard seed words on NFC card · 3 personal words in phone app · Physical tap required to unlock wallet access. Store keys offline, tap to sign. Supports official Tychi NFC cards or fresh NTAG215 cards (no vendor lock-in).

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## Tychi OS

Treasury workflow software for global payments, approvals, and ERP-linked visibility.

- URL: https://finance.tychilabs.com/

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## Ecosystem projects (technical index)

Open-source and community projects built on **Tychi Stack** (primarily UGF for gasless execution). Directory of hackathon and partner builds, not Tychi core products.

- Directory: https://tychilabs.com/ecosystem-projects
- Categories: wallets and agents · credentials · onchain apps · commerce · social impact · document security · events · agreements
- Typical pattern: dApp on Base Sepolia or mainnet + UGF SDK for gasless UX with stablecoin gas payment
- Full technical index: see `llms-full.txt` § Ecosystem

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## Reference

- [robots.txt](https://tychilabs.com/robots.txt)
- [sitemap.xml](https://tychilabs.com/sitemap.xml)
- [llms-full.txt](https://tychilabs.com/llms-full.txt)
- [Agent Finance llms.txt](https://ai.tychilabs.com/llms.txt)
- X: https://x.com/TychiLabs
- Telegram: https://t.me/tychiwallet
- GitHub org: https://github.com/TychiWallet

## Vocabulary

- **Banking for AI agents:** Tychi Agent Finance product line at ai.tychilabs.com
- **Agent self-custody:** Agent holds identity seed and EVM wallet on its device (`~/.tyi`); Tychi never holds the private key
- **Policy-gated spend:** Operator-defined caps, modes, and allowed actions before any on-chain or x402 payment
- **x402:** HTTP 402-based agentic payment protocol for autonomous API access
- **ERC-8004:** On-chain agent identity standard (profile, capabilities, trust)
- **UGF / Universal Gas Framework:** Cross-chain gas abstraction. Route actions, not liquidity
- **Remote transaction:** Source-chain payment triggers destination-chain action without moving liquidity first
- **TYI:** Tychi backend API at agents.tychilabs.com for orchestration, not custody