Many organizations struggle with limited transparency and inefficient processes across their banking activities. Manually analyzing bank fees leaves significant savings unidentified and unrealized. Managing numerous bank accounts and signers without a centralized workflow creates organizational complexity, while handling audit documentation through fragmented systems consumes valuable finance team time.

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Maintaining secure, real-time bank connections across a diverse mix of institutions and protocols adds technical complexity that slows operations and increases risk. Without a unified view of banking activity, organizations face wasted time, missed savings, and compliance exposure, particularly as audit requirements intensify and the number of banking relationships grows.

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Ripple Treasury's banking solution brings together Bank Fee Analysis, account management, eStatement repositories, and bank connectivity into one secure platform. Powered by a partnership with Treasury Strategies and the NDepth Bank Fee Analysis tool, it automates the gathering and loading of bank files, replacing manual analysis with visual reporting and dashboards that make it easy to identify fee discrepancies, track costs against negotiated pricing, and benchmark spending against peers with similar volume levels.

From signer management and account opening workflows to read-only audit access and flexible bank connectivity through APIs, SWIFT, host-to-host, or the Fides partnership, Ripple Treasury ensures that banking operations are centralized, current, and easy to manage. ClearConnect Gateway enables fast, modern API integrations, while the broader connectivity suite supports 13,000+ institutions and global payment rails, so every bank relationship is covered from a single platform.

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Eliminate Hidden Banking Costs

Detailed data showing where you are spending the majority of your fees across banks, combined with peer benchmarking against organizations with similar volume levels, gives your team the intelligence to negotiate the best prices with your banks. Automated alerts notify you of any changes in bank pricing against contracted rates, so no price increases go unnoticed.

Simplify Account and Signer Management

A dynamic workflow process tracks the opening and closing of accounts and keeps designated signers up to date across your entire banking portfolio. Letter templates with auto-populated fields, bulk search and replace across all banks and accounts, and a complete audit trail of modifications eliminate the organizational complexity that comes with managing a large account structure.

Streamline Audit Documentation

An eStatement electronic document repository enables you to download, store, and organize bank files, statements, and supporting documents in one place. Read-only rights for auditors allow them to access and electronically review statements on demand, replacing the manual effort of assembling audit support documentation every reporting cycle.

Connect to Any Bank, Anywhere

Flexible, secure connectivity to any bank through APIs, SWIFT, host-to-host, or the Fides partnership ensures that no banking relationship falls outside the platform. ClearConnect Gateway delivers fast, modern API integrations, while support for 13,000+ institutions and global payment rails means your bank data is always consolidated, current, and easy to manage regardless of where your accounts are held.

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NDepth Bank Fee Analysis

Powered by a partnership with Treasury Strategies, NDepth automates the gathering and loading of bank files in all machine-readable formats including PDF, EDI 822, TWIST, BSB, and CAMT. Visual reporting and dashboards make it easy to identify discrepancies in cost, volume, and service offerings across every banking relationship.

Global Fee Reporting

Global bank analysis with currency conversions gives you the capability to report on bank fees worldwide. Custom account groupings let you view fees at any level of detail, and downloadable reports provide flexibility for ad-hoc analysis across your full international banking footprint.

Signer Management

Set up, track, and modify signer information and account authorizations across your entire banking portfolio from a single area of the application. View, edit, replace, or deactivate signers as needed, and associate signers with any number of accounts, service types, or legal entities.

Audit-Ready Access

Provide auditors with read-only rights to access and electronically review statements directly within the platform whenever they are ready. The complete audit trail of account and signer modifications tracks and records every change, ensuring your documentation is always current and examination-ready.

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Peer Benchmarking and Pricing Alerts

Compare your bank fee spending against peers with similar volume levels to identify where you are overpaying and strengthen your negotiating position. Automated alerts notify you whenever bank pricing changes against contracted rates, ensuring every deviation is caught and addressed.

Account Management Workflows

Simplify account management with letter templates that auto-populate bank, account, and signer information to generate messages for opening and closing accounts, issuing changes, and sending information on demand or through a scheduled process. Set minimum and maximum limits, and search, replace, and delete in bulk across all banks and accounts.

eStatement Repository

Download and store bank files, statements, and supporting documents including checks, deposits, and lockbox images in a centralized electronic repository. Automatically image statements and organize them by type, with access to a full list of statements from a single screen.

ClearConnect Gateway and Multi-Protocol Connectivity

ClearConnect Gateway enables fast, modern API integrations with any bank, while the broader connectivity suite supports SWIFT, host-to-host, and Fides partnership connections. With support for 13,000+ institutions and global payment rails, Ripple Treasury ensures your bank data is always consolidated and current regardless of the protocol your banks require.

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Bank Fee Optimization

Finance teams looking to reduce banking costs use NDepth Bank Fee Analysis to identify discrepancies across their banking relationships, benchmark fees against peer organizations, and build the data-driven case needed to negotiate better pricing with their banks.

Signer Authorization at Scale

Organizations with complex legal entity structures use Ripple Treasury's signer management capabilities to keep authorizations current, associate signers with the correct accounts and service types, and quickly act on personnel changes that affect banking access across the enterprise.

Global Bank Connectivity

Organizations connecting to banks across multiple regions and protocols use Ripple Treasury's connectivity suite to consolidate bank data from any institution through APIs, SWIFT, host-to-host, or Fides, ensuring a single, unified view of all banking relationships regardless of geographic or technical complexity.

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Account Lifecycle Management

Treasury operations teams managing large account portfolios use Ripple Treasury's dynamic workflow process to track account openings and closings, generate standardized account management correspondence, and maintain an accurate record of all changes across every banking relationship.

Audit and Compliance Support

Finance and treasury teams preparing for internal or external audits use the eStatement repository to provide auditors with immediate, read-only access to organized bank statements and supporting documents, eliminating the manual effort of assembling and distributing audit support packages.

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Ripple Treasury's integrated banking solution eliminates the manual effort, blind spots, and compliance risk that come with managing complex banking relationships across multiple institutions. From automated fee analysis and streamlined account management to centralized eStatements and flexible bank connectivity, organizations gain the clarity and control they need to optimize costs, maintain compliance, and manage every bank relationship from a single, secure platform.

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"No matter the protocol, Ripple Treasury ensures your bank data is consolidated, current, and easy to manage, so you always have the clarity to act."

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