X0202 SCHEDULE 13G 0001685012 XXXXXXXX LIVE Class A common stock, par value $0.001 per share 10/09/2026 0002092592 Evernorth Holdings Inc. 299946103 600 Battery Street San Francisco CA 94111 Rule 13d-1(c) Ripple Labs Inc. DE 0.00 1678382.00 0.00 1678382.00 1678382.00 N 7.1 CO Larsen Lam Children's Remainder Trust CA 0.00 661867.00 0.00 661867.00 661867.00 N 2.8 OO LARSEN CHRISTIAN A X1 0.00 2340249.00 0.00 2340249.00 2340249.00 N 9.9 IN Christian A. Larsen ("Chris Larsen") is the co-founder and Executive Chairman of Ripple and its controlling shareholder. As the controlling shareholder of Ripple, Chris Larsen has voting and dispositive control over the shares of Class A common stock, par value $0.001 per share, of Evernorth Holdings Inc. (the "Issuer") (the "Class A Common Stock") held by Ripple and may be deemed to beneficially own them. Chris Larsen is also the trustee of the Larsen Trust and, in such capacity, has voting and dispositive control over the shares of Class A Common Stock held by the Larsen Trust and may be deemed to beneficially own them. However, Chris Larsen disclaims any beneficial ownership of the reported shares other than to the extent of any pecuniary interest he may have therein, directly or indirectly. The filing of this Schedule 13G shall not be construed as an admission that any Reporting Person is, for purposes of Section 13(d) or 13(g) of the Exchange Act or otherwise, the beneficial owner of any securities covered by this statement, other than to such extent. The percentages reported in this Schedule 13G are based on 23,638,882 shares of Class A Common Stock outstanding as of the date hereof. Evernorth Holdings Inc. 600 Battery Street, San Francisco, CA, 94111 This statement is filed jointly by the following persons (each, a "Reporting Person" and together, the "Reporting Persons") pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, as amended (the "Exchange Act"): (i) Ripple Labs Inc. ("Ripple"); (ii) Larsen Lam Children's Remainder Trust ("Larsen Trust"); and (iii) Christian A. Larsen ("Chris Larsen"). The Reporting Persons have entered into a Joint Filing Agreement, a copy of which is filed as Exhibit 99.1 to this Schedule 13G. The address of the principal business office of each Reporting Person is: (i) Ripple: 600 Battery St., San Francisco, California 94111; (ii) Larsen Trust: c/o Ripple Labs Inc., 600 Battery St., San Francisco, California 94111; (iii) Chris Larsen: c/o Ripple Labs Inc., 600 Battery St., San Francisco, California 94111. Ripple is a corporation incorporated under the laws of the State of Delaware. Larsen Trust is a trust organized under the laws of the State of California. Chris Larsen is a citizen of the United States. Y Ripple: 1,678,382; Larsen Trust: 661,867; Chris Larsen: 2,340,249 Ripple: 7.1%; Larsen Trust: 2.8%; Chris Larsen: 9.9% Ripple: 0; Larsen Trust: 0; Chris Larsen: 0 Ripple: 1,678,382; Larsen Trust: 661,867; Chris Larsen: 2,340,249 Ripple: 0; Larsen Trust: 0; Chris Larsen: 0 Ripple: 1,678,382; Larsen Trust: 661,867; Chris Larsen: 2,340,249 Y Y Y Y Y N By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under § 240.14a-11. Exhibit 99.1 - Joint Filing Agreement, dated as of October 13, 2026, by and among Ripple Labs Inc., Larsen Lam Children's Remainder Trust and Christian A. Larsen Ripple Labs Inc. /s/ Eric Jeck 10/15/2026 Larsen Lam Children's Remainder Trust /s/ Christian A. Larsen 10/15/2026 LARSEN CHRISTIAN A /s/ Christian A. Larsen 10/15/2026