Ripple Treasury
Adaptable Treasury Solutions
Designed to address your needs today and scale for tomorrow across liquidity, reconciliation, forecasting, payments, risk, and netting. Our AI is embedded where the work happens, explainable by design and always under human oversight. See, earn on, and move money across traditional and digital rails.
Treasury that keeps up with the decision
Decision to settlement, one audit trail
Liquidity, reconciliation, forecasting, risk, netting, and payments across fiat and digital assets. Start with your greatest need and add the rest as you go. When money moves, one party is accountable for it.
Proven at scale, adaptable by design
1,000+ customers across 160 countries. A Leader in both IDC MarketScapes for AI-Enabled Enterprise and Midmarket Treasury and Risk Management Applications, 2025-2026.
Treasury-Native AI
GSmart is built by treasury people who know which exceptions are routine, which need a human and which should never be automated. It proposes inside your policy, cites the clause behind it and waits for a person to approve.
Defensible by default
Ripple Treasury runs on ground you can verify: a platform audited annually under SOC 1 Type II and SOC 2 Type II. Everything else follows the same path: data you can trust, visibility you can act on, decisions you can explain, execution you can trace end to end.
Ripple Treasury works alongside the systems you already run and closes the gaps that spreadsheets and manual reconciliation leave open.
*Availability of products can vary and may be provided by different Ripple entities
With the help of Ripple Treasury, American Airlines has been able to revolutionize its Treasury Technology infrastructure.
Ryan Millard
American Airlines, Director of Global Banking and Treasury Services
Four stages. One continuous system.
Data in, visibility out, forecasts modeled and every action logged the moment it's approved. Four stages that build on each other, not four separate problems to solve.
1. It starts with data you can trust
Ripple Treasury connects bank, ERP, and market data into one accurate, connected source: the foundation everything else depends on. 300+ pre-built bank connectors. Any API-enabled bank in seven days. Rush University used it to find $50M in idle cash.
2. Then visibility you can act on.
Cash positions, risk exposures, payment status, and digital asset balances, across every entity, bank, and currency. American Airlines used it to reach 99% cash visibility.
3. Then forecasts you can actually act on
GSmart AI explains what changed and why, in plain language. Forecast drift, exposure anomalies, hedge deviations, and funding scenarios, surfaced as they happen. OneSpan used it to improve forecast accuracy by 30%+.
4. Finally, execution with an audit trail built in
Automated payments, reconciliation, netting, and compliance reporting. Netting alone can cut cross-border payments by up to 70%. Every GSmart AI proposal cites the policy clause behind it, and approval writes a permanent audit record. Bruker used it to cut FX-driven P&L volatility by 50%.
Where treasury operations break down today
The forecast nobody fully trusts
Spreadsheet forecasting doesn't fail all at once. It compounds quietly, through stale ledger data, manual consolidation and assumptions nobody has time to revisit. By the time the forecast reaches the board, the only person who can defend the number is the one who built it.
Separate platforms, separate audit trails
Fiat and digital liquidity usually live on separate platforms with separate audit trails. Every vendor you add is another counterparty and another place the trail breaks.
AI that can't get near the real work
The board wants AI in the finance function. But treasury can't hand production cash data to tools that won't show their reasoning or keep that data inside your boundary. So the pilots stay in the sandbox while the manual work continues.
From one source of truth to a decision you can defend
Data Integrity
Ripple Treasury connects bank, ERP, and market data into one accurate, reconciled source of truth, so treasury isn't rebuilding numbers by hand before it can act on them.
Visibility and Monitoring
See cash positions, risk exposures, payment status, and digital asset balances in real time, across every entity, bank, and currency.
Reporting and Modeling
GSmart AI-powered cash forecasting surfaces forecast drift, exposure anomalies, and hedge deviations as they happen, with plain-language explanations of what changed and why.
Execution and Audit
Automated payments, bank reconciliation, intercompany netting, and compliance reporting run on defined workflows. Every GSmart AI proposal cites the policy clause behind it, and approval writes an unchangeable audit log.
Why Ripple Treasury
Forty years of treasury expertise, built to work alongside the systems you already run. Every treasury vendor will claim breadth and AI. The difference is what happens after the decision: one accountable partner and one audit trail from approval to settled cash. Adaptable, not all-or-nothing.
Adaptable, not all-or-nothing.
Ripple Treasury lets you adopt only the capabilities you need, when you need them, and add more as you grow. No forced rip-and-replace, no paying for modules that sit idle.
Embbeded & Explainable AI
GSmart AI is built into the solutions treasury teams already use, not bolted on. Inference-only architecture, isolated data per client, regional data residency, every interaction logged and traceable.
Resourced to deliver
Founded in 1986, with a self-funded roadmap and delivery, success and support teams in every region. A treasury platform is a ten-year decision. Choose a partner who will still be investing when your plans mature.
One workflow for every rail
Move money on the rail that fits the job, fiat or digital, through the same workflow and approval chain. One party accountable from decision to settlement.
Explore what’s possible with Ripple Treasury
CFOs
Controllers lose month-end close to reconciliation exceptions, face audit findings from manual processes and deal with reporting delays from multi-entity consolidation.
Ripple Treasury automates bank reconciliation with a 98%+ auto-match rate (against an 85–90% industry norm), real-time bank data feeds and audit trails that are ready by design, not by scramble.
Treasurers
Treasurers lose hours every morning to manual bank consolidation, hold idle cash to cover inaccurate forecasts and carry fraud risk in email-based approvals.
Ripple Treasury replaces all of that with a real-time cash view, automated reconciliation and a centralized payments hub with configurable approvals and anomaly detection.
Controllers and Internal Audit
Reconciliation exceptions eating month-end close, audit findings tied to manual processes, and multi-entity consolidation creating reporting delays.
Ripple Treasury delivers automated bank reconciliation with a 98%+ auto-match rate, real-time bank data feeds, and audit trails that are ready by design, not by scramble.
