The Ripple Digital Asset Accounts offered by the Ripple Group and accessed through Ripple Treasury lets finance teams deploy idle cash, accelerate supplier terms and eliminate intercompany delays, without changing how your banking relationships work.

Most treasury technology treats digital assets as a payment rail. Ripple Treasury treats the digital asset account as a capital efficiency engine, one that compounds value across three dimensions your CFO already cares about: yield, payment cost and working capital cycle time.

Availability of products can vary and may be provided by different Ripple entities.

Three Working Capital Levers your Digital Asset Account Activates

1. Idle cash earns while it waits

Digital asset accounts enable treasury to put idle cash quickly into higher yield accounts overnight and weekends. No lockup. No minimum term. Redeployable the same day.

Outcome: Activate yield on cash that used to earn nothing, without compromising liquidity.

2. Supplier payments settle in minutes, not days

Supplier payments settle in minutes, not days. Cross-border supplier payments through traditional rails often take 2 to 5 business days. In high-friction markets, that lag creates cash flow uncertainty on both sides of the transaction. Digital settlement closes the gap, giving your team confirmed settlement faster and your cash position a cleaner picture of what has actually moved.

Outcome: Faster settlement with a cash position that reflects reality instead of lag.

3. Intercompany netting across subsidiaries without correspondent banks

Multinational treasury teams spend significant time and cost moving cash between subsidiaries across borders. Digital settlement eliminates the correspondent bank chain for those transfers. Intercompany positions net and clear the same business day.

Outcome: Reduce idle cash in subsidiary accounts. Free it to where you actually need it.

4. High-cost corridor savings flow directly to margin

Latin America, Southeast Asia, the Middle East and Sub-Saharan Africa carry the highest traditional wire fees and worst settlement times. Digital rails cut both. For companies with concentrated payment volume in these corridors, the cost delta is significant, measurable in basis points per transaction at scale.

Outcome: Corridor-by-corridor cost analysis available in your first call with our team.

Key performance benchmarks

• 98%+ reconciliation auto-match rate (Ripple Treasury platform data)
• Regulatory licenses across multiple global markets (Ripple regulatory portfolio)
• 30% improvement in cash forecasting accuracy (Ripple Treasury customer insights)
• 99% of CFOs envision long-term digital asset use (Deloitte CFO Signals, Q2 2025)

Integration with your existing stack

ERP integration

Digital asset account activity posts to your ERP the same way any other payment does. Your accounting team sees a confirmed payment entry, not a digital asset transaction. No GL mapping changes required.

Bank relationship continuity

Digital optionality is additive to your existing banking relationships, not a replacement. Your primary banks remain your primary banks. The digital asset account handles corridors and use cases where traditional rails underperform. No new bank conversations required to activate it.

Who this matters most to

CFO (Decision Maker)

Gain yield on idle balances, cost reduction in high-fee corridors and working capital cycle improvement, all of which show up in margin. The digital asset account is a financial performance decision, not a technology experiment.

Treasurer (Daily Operator)

Keep the same initiation workflow with faster settlement confirmation and real-time cash position updates. Intercompany positions will net and clear the same business day, regardless of currency corridor. No correspondent bank chain required.

Controller (Close and Compliance)

Achieve a 98%+ auto-match reconciliation rate with confirmed settlement data that writes to the ERP in real time. Standard payment entries, not digital asset accounting. The audit trail stays intact from initiation through close with no new GL mapping required.