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Meet GSmart AI

Treasury-Native AI.
Future-Ready Solutions.

One platform for cash, payments, risk and liquidity, with fiat and digital assets in a single view. GSmart AI is embedded where the work happens, explainable by design and always under human oversight.

The World’s Most Adaptable Treasury Platform

100%

Cash Visibility

13,000

Connected Banks

$12.5T

Payments Volume

Diagram showing Ripple Treasury with functions like payments, risk, reconciliation, linked to banks and trading data.

Artificial Intelligence

GSmart: Treasury-Native AI

GSmart agents are built by treasury practitioners. They propose every move, cite the exact policy clause behind it, and wait for your approval, so you get the speed of automation without giving up the audit trail, the data residency, or the budget.

  • Built in, not bolted on. Treasury came first. The AI came after.
  • It proposes. You decide. Every agent action routes to a human approval gate, with the policy clause cited inline.
  • Your policy becomes the control layer. Floors, funding order and concentration limits outlined in the Knowledge Studio become rules GSmart checks every proposal against.
  • Audit-ready by default. Every action cites its clause and logs a complete audit trail.
  • Priced for adoption, not usage. No hidden costs, no usage meter.

Flexible treasury solutions that evolve with you

Solutions for Today’s Needs, Adaptable for Tomorrow’s

  • Designed for every stage of treasury complexity.
  • 90% of CFOs state Cash Visibility as their #1 concern.
  • Be up and running in 90 days with Cash Visibility and Cash Forecasting.

Digital Assets

Your Complete Treasury Picture. Traditional and Digital, in One Platform.

Digital assets are no longer a future consideration for corporate treasury. Ripple Treasury brings digital asset visibility and access directly into the workflow your team already uses, with no third-party setup, no new portals and no compromise on compliance. See your full position, fiat and digital, in real time, backed by institutional-grade infrastructure.

  • Unified Treasury Visibility. See digital asset positions and traditional cash in a single dashboard. Digital wallets behave like bank accounts. Real-time pricing converts holdings to current fiat value automatically.
  • Enterprise Digital Wallet. Create a Ripple-native wallet inside Ripple Treasury. Onboarding completes entirely within the platform. No external applications. No third-party custody setup required.
  • Regulated Infrastructure. Ripple's conditional OCC approval for a national trust bank charter and NYDFS oversight of RLUSD provide the institutional-grade compliance foundation CFOs can defend to Boards and auditors.
  • Rail-Agnostic Flexibility. Maintain traditional banking rails for existing workflows. Access digital payment rails for cross-border speed and cost advantages. Choose the right rail for every transaction.

OUR SOLUTIONS

Discover How We Help CFOs and Treasury Teams

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Total Cash Visibility

Gain comprehensive visibility into your global cash positions, ensuring optimal liquidity management across all accounts and entities.

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Effective Cash Flow Forecasting

Achieve precise, real-time cash forecasts that empower you to make informed financial decisions and avoid costly surprises.

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Enhance Capital Efficiency

Maximize returns and minimize risk by efficiently managing debt and investment portfolios with real-time insights, empowering CFOs to make informed, strategic decisions.

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Assess and Mitigate Risk

Mitigate exposure to foreign exchange and interest rate risks with integrated hedging strategies that safeguard your balance sheet.

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Reduce Costs with Netting

Streamline your cash flow with automated netting processes that minimize transaction costs and enhance efficiency.

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Streamline Payments

Automate and centralize your payment processes to reduce manual errors, enhance security, and drive efficiency across your entire organization.

Designed for every stage of treasury complexity.

Be up and running in 90 days with Cash Visibility and Cash Forecasting. Because optimizing liquidity can’t wait.

Financial report dashboard showing forecast vs. actual cash inflows, outflows, and variance details.
90%

of CFOs state Cash Visibility as their #1 concern.

“Ripple Treasury is not a one-size-fits-all. It is a modular platform, allowing you to choose what you need rather than paying for extra functionality that you don’t use.”

Michael Verkuylen

Chief Financial Officer, Keystart Home Loans

“We should have done this earlier,” said Eveline. “It’s been smarter. I can go in there (into CashAnalytics) and see the clients that are paying, and that’s really nice to have in one place.”

First Last

Position, BearingPoint

“We should have done this earlier,” said Eveline. “It’s been smarter. I can go in there (into CashAnalytics) and see the clients that are paying, and that’s really nice to have in one place.”

First Last

Position, BearingPoint

“We should have done this earlier,” said Eveline. “It’s been smarter. I can go in there (into CashAnalytics) and see the clients that are paying, and that’s really nice to have in one place.”

First Last

Position, BearingPoint

“We should have done this earlier,” said Eveline. “It’s been smarter. I can go in there (into CashAnalytics) and see the clients that are paying, and that’s really nice to have in one place.”

First Last

Position, BearingPoint

“Ripple Treasury has been better than any other system implementation I’ve ever done. The system was up and running in weeks. I would have expected in months.”

Patrick Clarke

Group Treasurer, Excellence Logging

“We should have done this earlier,” said Eveline. “It’s been smarter. I can go in there (into CashAnalytics) and see the clients that are paying, and that’s really nice to have in one place.”

First Last

Position, BearingPoint

“With the help of Ripple Treasury, American Airlines has been able to revolutionize its Treasury Technology infrastructure.”

Ryan Millard

Director of Global Banking and Treasury Services, American Airlines

“We should have done this earlier,” said Eveline. “It’s been smarter. I can go in there (into CashAnalytics) and see the clients that are paying, and that’s really nice to have in one place.”

First Last

Position, BearingPoint

Woman standing and pointing at laptop screen while man seated types on keyboard at office desk.

Your Success is Our Priority

Expertise and Support—We Do the Hard Work for You.

As the global industry leader in Treasury solutions, Ripple Treasury, powered by GTreasury, provides you with unmatched expertise and ensures your continued success through dedicated guidance and top-tier support.

Customer Support that places your success front
and center.

Learn more

See Ripple Treasury in action

Get connected with supportive experts, comprehensive solutions and untapped possibility today.