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Catena Labs Raises $30 Million and Seeks OCC Trust Bank Charter

The company is pursuing a federal charter to legally custody deposits and provide audited controls that let autonomous AI agents move money under human-set rules.

Overview

  • Catena announced the $30 million Series A on May 20, 2026, led by Acrew Capital and a16z crypto and bringing total capital raised to about $48 million including a 2025 seed round.
  • The startup has filed for a New York trust or national trust bank charter with the Office of the Comptroller of the Currency to hold customer funds and operate payment rails as a regulated fiduciary.
  • Its invite-only platform exposes programmable governance for AI agents, including spending limits, approved payees, account holding caps, and audit trails for transactions.
  • Founders leverage payments pedigree—Sean Neville co-founded Circle—and the company is hiring staff to build compliance, custody, and settlement capabilities rather than relying solely on partner banks.
  • The move comes as Coinbase, OKX and others roll out agent-focused products, and a charter for Catena could set a regulatory model for agentic payments while technical and legal gaps around agent identity and liability remain unresolved.