Product Information
Autonomous Treasury Management That Runs on the Moment
Autonomous treasury runs your day before you log in, from forecast to payment, inside your policy. Your team reviews instead of assembling.
Treasury Still Runs on a Business Day That Settlement No Longer Observes
Settlement went from three days to five minutes, so money can move 50 times a day instead of once a week. The business day stopped being treasury's organizing principle, not because anyone decided it should, but because settlement stopped observing it. Idle and operating cash can now work overnight and on weekends, but only if someone, or something, is there to move it.
More opportunity also means more work and more exposure. A payment you approve is now final in moments, not days. Boards are asking treasury to move faster than governance currently supports, and teams still join forecasting, liquidity and payment steps by hand. Assemble the answer one vendor at a time and every seam becomes a break in the audit trail.
One Orchestration Layer, Governed by Your Policy
Three trends are converging. Adaptable solutions adapt to the business, AI collapses the time it takes to decide, and digital rails collapse the time it takes to act. Solutions and AI are becoming table stakes. What separates one approach from another is what happens between the decision and the settled cash.
Ripple Treasury runs every agent, every solution and every connection through one orchestration layer, against your policy. The forecast feeds the liquidity decision, which feeds the payment instruction to your bank. Every action is checked against policy, cites the clause behind it and is written to one audit trail, from decision to bank confirmation.
Key Benefits
Decisions carried out, not just recommended
Statements are read, reconciliation is done and entities are funded before they fall short. Nobody joins the steps by hand, and exceptions wait as proposed fixes with the policy clause cited.
One accountable chain when money moves
Every action runs through your policy and is traced from decision to bank confirmation. When an auditor asks why cash moved at 4am, the answer is one trace.
Choose how much each workflow runs on its own
You set the level of autonomy for each workflow. For example, let overnight sweeps run fully autonomously while FX hedging decisions wait for your approval. You can change the setting at any time.
Controls that make speed possible
Policy checks run on every action at every autonomy level, and every action is traced. That is what lets treasury move faster without loosening governance.
Key Features
Orchestration layer
Sequences agents so one agent's output becomes the next one's input under the same policy, and grows as you add solutions.
Per-workflow autonomy
Choose Manual, Semi-autonomous or Fully autonomous for each workflow, so routine work runs on its own while higher-risk decisions wait for a person.
Human escalation
The layer steps back to a person when something falls outside what it has seen.
Policy checks at every setting
Policy checks run on every action at every autonomy setting, including handoffs between agents.
Policy-cited actions
Every action cites the policy clause behind it, so you can see exactly why cash moved.
One audit trail
Every action is written to one audit trail, from decision to bank instruction.
Use Cases
Overnight statement processing
Statements are read across every account overnight and late bank files are flagged before the team logs in.
Entity funding
Entities are topped up to their operating floor before they fall short, drawing from sources in your funding order.
Counterparty limit monitoring
A counterparty limit breach arrives as a proposed fix with the relevant policy clause cited.
Idle and operating cash sweeps
Sweep instructions go to your bank inside your investment policy, so cash works overnight and on weekends.
Reconciliation and exceptions
Reconciliation completes overnight and exceptions arrive as proposed fixes, not findings.
Excess cash placement
Placement of excess cash is proposed before the cut-off, with the clause behind it cited.
Review the Day. Don't Assemble It.
Start with your greatest need across liquidity, forecasting, payments, netting, risk and reconciliation, and add the rest as you go. With autonomous treasury management from Ripple Treasury, one partner and one audit trail stand behind every move, and payment and sweep instructions go to your banks for execution under your accounts and authorizations.
"Controls are not the brake. They are the reason it is possible."
See Ripple Treasury in action
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