Catena Labs

Catena Labs is a Boston-based fintech building what it calls the first AI-native financial institution - a regulated bank and governance platform designed for AI agents that autonomously send and receive money. Founded in 2025 by Circle co-founder and USDC co-creator Sean Neville, Catena pairs agent identity, deterministic spending policies, and audit trails with account management and stablecoin, card, ACH and wire payment rails. It also open-sourced the Agent Commerce Kit (ACK), a set of protocols for agent identity and payments built on W3C web standards.