Product Information
Agentic AI for Treasury That Earns the Right to Act
GSmart is agentic AI for treasury that works inside your policy, cites every move, and runs each workflow at the autonomy you choose.
Why General-Purpose AI Stalls After the Treasury Demo
Treasury AI demos well. Then procurement asks where the data is processed, internal audit asks how you prove an agent followed policy and finance asks what the bill looks like when usage triples. A general-purpose model pointed at treasury data can pass the demo. The three questions after it are harder.
The risk in treasury automation is not that it runs slowly. It is that it acts. An agent acting outside your guardrails is a control failure with a cash consequence attached. Meanwhile, most liquidity policy lives in a PDF, a spreadsheet formula or one person's head, so no system can check against it and every AI decision becomes a potential audit finding.
Treasury-Native AI, Governed by Your Policy
Treasury-native AI means the domain was the starting point, not a layer added on top. GSmart reasons over a data foundation built from four decades of treasury data work, and it was built by people who can tell a routine exception from the one that needs a human, and from the one that should never be automated at all.
Knowledge Studio turns your policy rules into controls that agents work within at every autonomy setting. The orchestration layer then runs every GSmart agent across every Ripple Treasury solution you have adopted, so one agent's output becomes the next agent's input under the same policy, and the day is run before your team logs in.
Key Benefits
No hidden costs
There is no usage-metered pricing for GSmart, so the AI line item does not grow with adoption. Adoption can spread across treasury without reopening the budget.
Enterprise grade
In-region data residency for supported geographies, with per-client isolation. The best-suited model is matched to each AI experience, so no one model becomes a single point of failure.
Governance
Policy lives as controls rather than in a PDF, so compliance evidence becomes a by-product of the work. Every action cites the control that drove it and writes to a complete audit log.
Policy-cited agentic control
Every agent that can initiate or commit a cash movement checks its action against your policy and cites the exact clause. That is what lets you widen autonomy without widening risk.
Key Features
Knowledge Studio
Convert static policy and tribal knowledge into AI controls that every agent works within.
Proposed fixes, not findings
Exceptions arrive as proposed fixes with the policy clause cited, ready for a person to approve.
One audit trail
Every action is traced from the forecast and rule to the autonomy setting, instruction and bank confirmation.
Data isolation
Your data is tenant-isolated, is not shared with other clients and is processed in isolation for explainable, auditable insights.
Per-workflow autonomy
Choose Manual, Semi-autonomous or Fully autonomous for each workflow, and change the setting at any time.
Orchestration layer
Sequences agents, runs policy checks on every action including handoffs, and steps back to a person when something falls outside what it has seen.
Ask GSmart in Analytics Studio
Ask questions in plain language and get answers from the same governed data warehouse that powers your official reports.
Client control over AI
Feature flags let you control AI capabilities and restrict which datasets are accessible for AI processing.
Use Cases
Forecasting and planning
Forecast Insights, Trend Insights, Forecast Chaser and Ledger compare forecast to actuals, recommend best-fit models, chase submissions and build short-term forecasts.
Risk
Risk Insights, Counterparty Monitor and Fraud Protection surface exposure anomalies, monitor counterparty concentration and flag unusual payments before release.
Insights, support and onboarding
Ask GSmart answers plain-language questions and helps users navigate the application, while Smart Mapping aligns and validates ERP and bank data.
Liquidity
Liquidity Scenarios, Rebalance, Yield and Liquidity Digest model funding scenarios, propose cash moves and placements, and package board-ready summaries.
Reconciliation
Document Capture extracts data from checks, remittances and statements, and AI Matching Rules suggests candidate matching rules in seconds.
Overnight orchestration
Statements are read, reconciliation is done and entities are funded overnight, with exceptions waiting as proposed fixes.
Widen Autonomy Without Widening Risk
Most treasury vendors will offer AI agents. The harder question is what happens between them. GSmart delivers agentic AI for treasury where every move stays inside your policy, every clause is cited and you decide how much runs on its own.
"Optionality without orchestration is just fragmentation."
See Ripple Treasury in action
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