Ripple Treasury's Digital Asset Account changes that. Create and manage a Ripple-native asset account directly within the platform or add an existing provider, with no external setup, no third-party provider and no separate system to maintain. Digital asset balances appear in the same account structure as your cash, valued in your reporting currency in real time and recorded with the same discipline as every other transaction in the platform.

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For treasury teams taking their first steps with digital assets, it's the fastest path to begin the adoption journey. For teams already holding digital assets, it brings that activity into the TMS where it belongs.

Platform-Native Digital Asset Account

Create and onboard a Ripple digital asset account directly within Ripple Treasury. No external application, no third-party setup and no integration to configure. The asset account lives inside the platform from day one, fully connected to your treasury data.

15-Decimal Precision

Most systems round digital asset balances, creating small but compounding discrepancies that surface as reconciliation gaps. Ripple Treasury captures native notional to 15 decimal places, so every unit is recorded exactly as it exists on-chain. Every balance is exact. Every unit is accounted for.

Native Notional and Fiat Side by Side

View digital asset account positions in their native denomination alongside their real-time fiat equivalent. Switch reporting currency for display purposes without changing the underlying data.

Real-Time Fiat Valuation

Digital asset balances are converted to your reporting currency using live exchange rates sourced from CryptoCompare, refreshed within seconds. Rates are applied at the time of each transaction and whenever a balance is displayed, so your fiat values are always current.

Asset Account-as-Account Structure

Your digital asset account fits directly into Ripple Treasury's existing account structure. The digital asset account behaves like a bank account, so existing liquidity worksheets, account trees and FX rate configurations apply without reconfiguration.

Automated Transaction Recording

Every balance change and transaction is recorded inside Ripple Treasury automatically. Each record captures currency type, native notional, fiat equivalent and exchange rate at the time of the event. Digital asset activity carries the same structure and auditability as traditional cash transactions.

Getting on-chain for the first time

For treasury teams new to digital assets, the barrier is often operational: standing up a separate digital asset account platform, managing external credentials and building a reconciliation process from scratch. Ripple Treasury's native digital asset account removes those steps entirely. Create a digital asset account within the platform and you're on-chain, with balances and transactions flowing directly into your treasury data from day one.

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Holding digital assets within the TMS

Teams that want to hold XRP, RLUSD or other digital assets as part of their treasury position no longer need a separate system to do it. The native digital asset account sits inside Ripple Treasury alongside bank accounts and cash balances, with real-time fiat valuation and the same reporting structure applied across the whole position.

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Maintaining a clean audit trail for digital asset activity

Finance and control teams need digital asset transactions recorded with the same rigour as traditional cash. Every digital asset account transaction in Ripple Treasury is stored as a structured record capturing native notional, fiat equivalent and the exchange rate at the time of the event, to 15 decimal places of precision.

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Extending existing liquidity workflows to digital assets

Because the native digital asset account maps directly onto Ripple Treasury's bank and account model, existing liquidity management workflows apply to digital asset positions without modification. Liquidity worksheets, account trees and reporting tools work the same way across cash and digital assets.

Treasurer

Digital asset balances are visible within the same platform as bank accounts and cash, updated in real time with fiat values in your reporting currency. There is no separate system to check and no manual consolidation before a liquidity review.

Treasury Operations

Digital asset account creation is handled entirely within Ripple Treasury. There is no external platform to onboard, no credentials to manage separately and no reconciliation process to build. Digital asset activity flows into the platform automatically from the moment the asset account is created.

Financial Controller

Every digital asset account transaction is recorded to 15 decimal places with native notional, fiat equivalent and exchange rate captured at the time of the event. Digital asset activity has the same auditability as traditional cash transactions, with no manual conversion or journal entry required.

Most approaches to digital asset management treat digital asset accounts as a separate category. Dedicated custodian portals provide digital asset account-level data. A separate process converts it to fiat. Someone reconciles it to the TMS at the end of the day or the week. The result is a digital asset program that runs in parallel to the treasury operation rather than as part of it.

Ripple Treasury is built on a different premise: digital assets are first-class citizens in the platform, equivalent to cash from a liquidity perspective. Custodians connect through the same ClearConnect layer as banks. Digital asset accounts fit into the same account structure as bank accounts. The same worksheets, dashboards and reporting tools that treasury teams use for cash apply directly to digital asset positions.

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That means no parallel process, no manual consolidation and no delay between digital asset account activity and treasury visibility. For teams managing both traditional cash and digital assets, the platform provides a single system of record for the entire liquidity position.

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