Product Information
Unlock accurate long-term forecasting with business unit-level insights
Over $100 billion is analyzed daily on Ripple Treasury’s platform, supporting 1,000+ businesses in 40+ countries.
When Spreadsheets Can't Keep Up With Your Cash
Treasury teams spend enormous time manually collecting and classifying cash flow data from banks, ERPs, and business units across the organization. Relying on Excel-based tools and manual models creates persistent risk: broken macros, outdated formulas, and reporting delays that undermine confidence in the numbers. When every update requires manual intervention, finance teams are always reacting to yesterday's data rather than acting on today's.
Without a unified view of cash flow across business units, it is difficult to identify which areas of the organization are underperforming or generating surplus cash until it is too late to act. Intercompany reconciliation is time-consuming, variance analysis is a manual exercise, and the lack of reliable drill-down reporting means consolidated figures are hard to trust. As a result, decisions about liquidity, FX, and debt are made with less information than they should be.
Automated, Intelligent Cash Flow Forecasting Across the Entire Business
Ripple Treasury Cash Forecasting automates the collection and classification of cash flow data from banks, ERPs, and treasury systems, eliminating the manual work that slows traditional forecasting cycles. Highly flexible and configurable forecast models connect to any data source and support rolling forecasts for seamless day-to-day planning. Teams can be up and running in as little as 90 days, with no lengthy implementation projects.
At the core of the platform is GSmart Ledger, an AI-powered tool that learns from historical invoice and ledger data to generate intelligent short-term cash flow forecasts with exceptional speed and accuracy. GSmart Forecast Insights goes further, automatically comparing forecasts to actuals, detecting anomalies, and delivering actionable recommendations through interactive dashboards, so treasury teams can focus on the variances that matter most.
Key Benefits
Save Time Through Automation
Reduce manual cash forecasting tasks and reporting cycles by over 90% through automation and data connectivity. Cash flow data from multiple sources is automatically classified and aggregated, freeing teams from manual collection, Excel maintenance, and reporting delays to focus on higher-value work.
Gain Visibility Across the Entire Organization
Enhance visibility across multiple bank accounts and business units, with business unit-level forecasting that surfaces which parts of the organization are underperforming or generating surplus cash. End-to-end visibility across the full spectrum of cash and liquidity supports faster, more confident decision-making at every level.
Forecast with Confidence Using AI
GSmart Ledger uses AI to analyze historical invoice and payment patterns alongside current ledger and bank data, generating intelligent cash flow forecasts with exceptional speed and accuracy. GSmart Forecast Insights automatically detects variances and explains the drivers, turning time-consuming analysis into actionable insight.
Manage Risk with Real-Time Data
Real-time visibility into bank accounts improves management of liquidity, foreign exchange, and debt risks. Reliable, transparent figures strengthen both internal and external reporting, building confidence with stakeholders and reducing uncertainty in financial decision-making.
Adapt Quickly Without Lengthy Projects
The platform is highly configurable and integrates with existing banks, ERPs, and treasury systems via seamless API connectivity. Unlike traditional treasury management systems, it adapts to changing requirements quickly, with implementations up and running in as little as 90 days.
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Key Features
Automated Forecast Modeling
Highly customizable multi-currency cash forecasting models that connect to any data source, including banks and ERPs, to automate data capture and support rolling cash flow forecasts for seamless day-to-day planning.
GSmart Forecast Insights
A generative AI agent that automatically compares forecasts to actuals, detects anomalies, and delivers actionable recommendations. Interactive dashboards allow treasurers to explore the drivers behind variances for faster, smarter decision-making.
Bank Connectivity
Direct bank connectivity to automate daily cash and liquidity reporting, consolidating and classifying bank account data on a daily basis for clear visibility over current cash positions.
GSmart Ledger
An AI-powered forecasting tool that learns from historical invoice and ledger data, combining it with current bank information to automatically generate intelligent short-term cash flow forecasts with exceptional speed and accuracy.
Reporting and Analytics
In-depth cash flow and forecast analysis using dashboards, custom reports, and drill-down capabilities that provide clarity into the background behind consolidated numbers and support detailed variance analysis.
Treasury Operations
Dedicated treasury functionality to manage intercompany, cash pools, FX, and other treasury workflows alongside forecasting, providing a single platform for mission-critical cash management activities.
Use Cases
Liquidity Management
Gain visibility over current and future cash flow, providing the basis for understanding what liquidity is available while quickly identifying future liquidity shortfalls and surpluses.
13-Week Cash Forecasting
Automate the collection of all actual and forecast data to significantly reduce the effort involved in managing a 13-week cash flow forecast, with rolling updates and variance tracking built in.
Bank Connectivity and Reporting
Consolidate and classify bank account data on a daily basis to provide clear visibility over current cash positions and recent cash flows across all accounts and business units.
Working Capital Analysis
With all cash flow and ledger data centralized in one place, working capital can be optimized to its fullest extent, leading to improved free cash flow, reduced days sales outstanding, and enhanced days payable outstanding.
Accounts Receivable Forecasting
Automate the process of forecasting accounts receivable cash collections by connecting directly to ERP systems to capture ledger data and using artificial intelligence to analyze historical payment patterns.
Multi-Location Forecasting
Gather data from all business units into a single reporting output using a range of reporting tools, enabling group-level cash visibility without sacrificing business unit-level detail.
End-to-End Visibility Over Cash, Delivered Fast
Ripple Treasury Cash Forecasting gives CFOs and treasury teams the automated, intelligent tools they need to move beyond manual processes and make decisions with confidence. From liquidity planning and working capital analysis to AI-powered variance insights, it covers the full spectrum of cash management needs, integrates easily into any financial infrastructure, and delivers value in as little as 90 days.
"Reduce manual cash forecasting tasks and reporting cycles by over 90% through automation and data connectivity."
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