Product Information
An Always-On Treasury Management Platform for CFOs and Treasurers
Always-on treasury for CFOs and treasurers. Start with liquidity, payments or forecasting, and GSmart agents run the day within policy.
More Opportunity, More Work, More Exposure
Settlement went from three days to five minutes. Money can now move 50 times a day instead of once a week, and treasury no longer runs on the business day. It runs on the moment. That creates opportunity for idle and operating cash, but it also creates far more work for teams still built around a daily cycle.
A payment you approve is now final in moments, not days, and boards are asking treasury to move faster than governance currently supports. When forecasting, liquidity and payments live in separate tools joined by hand, every handoff is a delay and every seam is a gap in the audit trail.
One Platform, One Orchestration Layer, One Audit Trail
Every agent, every solution and every rail runs through one orchestration layer against your policy, so liquidity, forecasting, payments and digital assets work as one operation. ClearConnect sits underneath, connecting your banks, ERPs and data sources so every agent works from the same live data.
GSmart, Ripple Treasury's treasury-native AI, works from the policy you define in Knowledge Studio and cites the clause behind every action. You choose how much runs on its own, workflow by workflow. One partner. One counterparty. One audit trail.
Key Benefits
Decisions carried out, not just recommended
The forecast feeds the liquidity decision, which feeds the payment. Statements are read, reconciliation is done and entities are funded before they fall short.
Choose how much each workflow runs on its own
You set the level of autonomy for each workflow. For example, let overnight sweeps run fully autonomously while FX hedging decisions wait for your approval. You can change the setting at any time.
One accountable chain when money moves
Every action runs through your policy and is traced from decision to settlement, with one party answerable. Controls are the reason always-on treasury is possible.
Start with your greatest need
Adopt one solution or the full portfolio at the pace your team can absorb. Liquidity Management, Cash Forecasting and Netting deploy in as little as 90 days.
Resourced to deliver
A treasury platform is a ten-year decision. A self-funded roadmap and delivery, success and support teams in every region mean we will still be investing when your plans mature.
Key Features
Liquidity Management
A current position across every account, bank and region, with idle and operating cash swept overnight inside your investment policy. Includes Bank Account Management.
Cash Forecasting
Short- and medium-term forecasts combining ERP, bank and ledger data, with AI analysis of historical trends and payment behaviors.
Netting
Optimizes intercompany cash flows by reducing the number of transactions and mitigating FX risk across subsidiaries.
Regulatory Reporting
Structured, audit-ready reports generated from reconciled, verified data, with consistent workflows across entities and jurisdictions.
ClearConnect
Connects your banks, ERPs and data sources so every agent and solution works from the same live data.
Reconciliation
Matching across bank statements, ERP records and internal ledgers is done before the team logs in, with exceptions arriving as proposed fixes.
Payments
Automates and centralizes payment processes with bank and ERP integration to reduce manual errors and mitigate fraud risk.
Risk Management
Centralizes exposure data across FX, interest rates and commodities, with scenario analysis and instrument tracking from issuance to maturity.
Digital Assets
Holds, values and manages digital assets alongside traditional instruments, with the same policy checks, approvals and audit trail.
GSmart AI and Knowledge Studio
Treasury-native agents that check every action against your policy, cite the clause behind it and log every action for audit.
Use Cases
Overnight cash positioning
See a position that is current at 3am, not at yesterday's close, and sweep idle cash inside your investment policy.
Intercompany settlement
Net intercompany flows to cut transaction volume, cross-border costs and FX exposure.
Enterprise liquidity across fiat and digital
Feed digital positions into forecasting and liquidity models for a complete view of enterprise liquidity.
Month-end close
Start close from a clean position with reconciliation done before the team logs in and a full audit trail for every transaction.
Board-ready forecasting
Deliver always-live forecasts and board-ready narratives backed by automated variance insights.
Regulatory and audit readiness
Produce repeatable, audit-ready reports with full documentation for internal and external review.
Automation Is Not the Goal. Confidence Is.
With four decades of treasury expertise since 1986, expert-led implementation and follow-the-sun support, Ripple Treasury gives you an always-on treasury management platform with one partner accountable for your success. Start with your greatest need and add the rest on your timeline.
"Controls are not the brake on always-on treasury. They are the reason it is possible."
See Ripple Treasury in action
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