For treasury teams managing global operations, the expectation that critical approvals and liquidity decisions require desktop access is no longer compatible with how executives and finance leaders work. Payment cut-offs do not wait for a return to the office, and covenant-sensitive cash positions do not pause while an approver is in transit. The traditional workaround -- VPN access from a mobile browser -- introduces authentication friction, latency, and failure points that make it unreliable precisely when reliability matters most. Approvers who cannot complete the workflow cleanly on the first attempt are not just inconvenienced; they become a bottleneck in the payment chain.

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The downstream impact of desktop dependency extends beyond individual missed approvals. When treasury leaders cannot assess cash positions or review supporting documentation from the field, liquidity decisions are deferred, escalations pile up, and the strategic value of real-time treasury data is effectively locked behind a physical location. The gap between the data treasury platforms provide and the accessibility that modern executives require has made mobile a capability gap with measurable operational cost.

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Ripple Treasury Mobile extends the full payment approval and cash visibility workflow to iOS and Android devices without compromise. Push notifications alert specific approvers the moment a payment requires attention, with full transaction context -- amount, beneficiary, routing codes, payment instrument type, and supporting documents -- available in a single tap. Biometric authentication via Face ID, Touch ID, or fingerprint enables approvals in seconds, with single verification for batch processing so multiple payments can be approved simultaneously without repetitive authentication steps.

For cash visibility, the app delivers real-time current-day balances and prior-day closing positions in dedicated views, with balances automatically organized by currency and bank for instant global cash position assessment across all entities. Pull-to-refresh updates in under three seconds, and offline resilience through cached access to recent balances, pending approvals, and viewed documents means the workflow continues even without connectivity, with background

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Approve Payments Without Being at Your Desk

Time-sensitive payment approvals no longer require desktop access or VPN workarounds. Push notifications deliver immediate alerts with full transaction context, biometric authentication completes the approval in seconds, and batch processing allows multiple payments to be cleared in a single authenticated session. Payment cut-offs are met and escalations are avoided regardless of where the approver is located.

Real-Time Cash Visibility from Any Location

Current-day cash positions and prior-day closing balances are accessible in seconds from anywhere, organized by currency and bank for immediate global assessment. Treasurers and CFOs can evaluate liquidity positions, monitor intraday movements, and make informed funding decisions without waiting for desktop access or requesting manual position updates from the team.

Informed Decisions Backed by Full Context

Every payment approval and cash visibility decision is supported by complete contextual information -- supporting documents, account and routing details, transaction history, and currency summaries -- accessible directly in the app. The days of approving payments based on minimal information or deferring decisions until back at a desk are replaced by a workflow that puts everything needed for a confident decision in one place.

Enterprise Security Without Enterprise Friction

Ripple Treasury Mobile meets the security requirements of global financial institutions without making mobile access cumbersome. OAuth 2.0 with PKCE, Single Sign-On with Ripple Treasury credentials, biometric authentication with automatic PIN fallback, and secure token storage with automatic refresh deliver the compliance posture that enterprise treasury requires while keeping the user experience fast enough that approvers will actually use it.

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Push Notification Approvals

Targeted push notifications alert specific approvers immediately when payments require attention, based on workflow rules and approval hierarchies. Tap to view full pending payment details -- amount, beneficiary, routing codes, payment instrument type, and transaction dates -- without navigating through menus.

Complete Document Access

View supporting documents including PDFs, Excel files, and images directly within the app to make fully informed approval decisions. Complete transaction context -- accounts, routing codes, payment history, and document attachments -- is available without switching to desktop.

Multi-Currency Intelligence

Balances are automatically organized by currency with proper formatting and summary totals by currency and bank, enabling instant global cash position assessment across all entities and geographies from a single screen.

Offline Resilience

Cached access to recent balances, pending approvals, and previously viewed documents enables review and context gathering without active connectivity. Automatic background synchronization ensures data is refreshed and current when connection is restored.

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Biometric Authentication

Approve payments in seconds using Face ID, Touch ID, or fingerprint authentication. Single verification for batch processing enables multiple payments to be approved simultaneously, with automatic fallback to PIN or password when biometrics are unavailable.

Dual Balance Views

Real-time current-day balances and prior-day closing positions are presented in dedicated, clearly separated views to eliminate confusion between intraday positions and historical data. Toggle effortlessly between views without losing workflow continuity.

Smart Filtering

Filter pending payments by amount, currency, beneficiary, or attachment status to focus immediately on what requires attention. Designed for approvers managing high volumes of payment activity who need to prioritize quickly and accurately.

Consistent Platform Workflow

Mobile approvals use the same payment workflow as desktop, maintaining all compliance requirements, audit trail integrity, and approval rule enforcement across channels. Controls and hierarchies remain consistent whether approvals originate from mobile or desktop.

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Payment Approval While Traveling

Approve time-sensitive payments from airports, hotels, or client sites without VPN access or desktop dependency. Push notifications deliver full transaction context the moment approval is required, and biometric authentication completes the workflow in seconds before payment cut-offs are missed.

Batch Payment Processing

Approve multiple payments in a single authenticated session using batch processing, reviewing full transaction details and supporting documents for each item before clearing the queue. Efficient for high-volume approval windows at month-end or during peak payment cycles.

Global Treasury Operations

Multi-currency balance views with automatic currency organization and bank-level summaries give global treasury teams instant visibility across all entities and geographies, supporting consolidated liquidity assessment without desktop access regardless of time zone.

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Executive Cash Position Review

CFOs and treasury leaders reviewing cash positions before board meetings or during investor calls can pull current-day balances and prior-day closing positions across all currencies and entities in seconds, without requesting a manual update from the treasury team.

Low-Connectivity Environments

Access cached balances, pending approvals, and previously viewed documents in environments with limited or intermittent connectivity. Background synchronization ensures the app is current when connection returns, maintaining workflow continuity through connectivity gaps.

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Ripple Treasury Mobile removes the last barrier between treasury professionals and the data they need to act -- location. With enterprise-grade security, real-time cash visibility, and full payment approval workflows on iOS and Android, the platform delivers the clarity to act from anywhere. No VPN, no desktop dependency, no deferred decisions. Contact us to learn more or download Ripple Treasury Mobile from the App Store or Google Play.

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"The clarity to act shouldn't require being at your desk. Ripple Treasury Mobile puts enterprise-grade treasury workflows in your pocket."

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