Treasury Management System
Liquidity, forecasting, risk, netting, payments. On your timeline.
The treasury management software behind always-on corporate treasury. Start with any solution, go live with Liquidity Management, Cash Forecasting or Netting in as little as 90 days and add the rest as you grow.
The foundation
Adaptable treasury management software is the foundation of always-on corporate treasury.
AI collapsed the time it takes to decide. Digital rails are collapsing the time it takes to act. It all starts here.
Tied together by the orchestration layer
GSmart: Treasury-Native AI
Treasury management software with GSmart AI working inside your policy.
GSmart is built by treasury people and embedded across every solution. It proposes inside your policy, cites the clause behind each recommendation and acts only at the level of autonomy you set.
Forecasting, AR and AP, risk and liquidity modeling all get faster without giving up the audit trail. With the orchestration layer, agents work across solutions, not just inside them.
of eligible customers have enabled Risk Insights
use Forecast Insights
Treasury management solutions
Seven treasury management solutions. Start with any one.
Each works on its own and connects to the others, so you can start wherever your need is greatest and add the rest as you grow.
Liquidity Management
Unlock full cash control in 90 days.
Gain real-time visibility, optimize liquidity and automate cash management with ease for confident, data-driven decisions.
to go live
Cash Flow Forecasting
Automated cash flow forecasting software for treasury teams.
Ripple Treasury Cash Forecasting builds forecasts from live bank and ERP data, replacing manual spreadsheets with forecasting that runs continuously.
increase in forecast accuracy
less time on forecasting tasks and reporting
Reconciliation
Automated reconciliation eliminates manual processes.
Ripple Treasury Reconciliation handles high-volume transaction matching and delivers audit-ready results, so your team can focus on analysis instead of data comparisons.
intelligent match rate
Payments
Payments with the controls built in.
Centralize payment workflows, including In-House Banking, with approvals, policy checks and a complete audit trail on every transaction.
Netting
One netting center, every currency.
Simplify intercompany transactions across currencies and entities, and run netting before the books close, not after.
fewer cross-border payments
Risk Management
Stop reacting to risk. Start anticipating it.
Identify, measure and hedge FX and interest rate exposure, manage debt and investments across their lifecycle and keep hedge accounting audit-ready.
Regulatory Reporting
Single source of truth across all systems.
Ripple Treasury Regulatory Reporting automates the process from data collection through submission, with the audit trail that spreadsheets can’t give you.
returns prepared and submitted
Digital Assets
Fiat and digital, in one view.
See digital asset positions alongside traditional cash in the same dashboard, with digital asset accounts that behave like bank accounts. Keep your existing banking rails exactly where they are.
How it all ties together
Every solution, connected to your banks, ERP and trading data, so a forecast becomes a funded position without anyone stitching the steps together.
Each solution plugs into the same data, the same controls and the same audit trail through ClearConnect, our bank and ERP connectivity suite.
pre-built bank connectors
to connect any API-enabled bank
The treasury platform built for the office of the CFO
Frequently asked questions
Treasury management software helps finance teams manage cash, liquidity, payments, risk and reporting in one place, connected to their banks and ERP. Ripple Treasury's treasury management software lets you start with any solution and add the rest as you grow.
A treasury management system (TMS) is specialized software that helps organizations manage their cash, liquidity, financial risk and treasury operations from a centralized platform.
It automates cash management, forecasting, payment processing, bank reconciliation, foreign exchange management, risk analysis and financial reporting, while giving you a current view of your financial position.
Large corporations, multinationals, financial institutions, government entities and mid-sized businesses with complex cash flows, multiple bank accounts, foreign currency exposure or significant risk management requirements.
It improves cash visibility, automates manual processes, reduces errors, optimizes liquidity and supports better financial decisions while saving time and cost.
Liquidity Management, Cash Forecasting, Payments and In-House Banking, Intercompany Netting, Risk Management (including FX, interest rate and hedge accounting), Debt and Investment Management, Reconciliation and Regulatory Reporting, with digital asset visibility alongside fiat, GSmart AI across every solution and ClearConnect connecting it all to your banks and ERP. Each can be implemented independently based on your priorities.
Always-on treasury runs on the moment rather than the business day. The TMS is the foundation: it keeps positions current, forecasts continuous and controls running before money moves. The orchestration layer runs agents across every solution on top of it, and digital rails let money move when the decision is made.
No. Each solution can be implemented on its own, so you can start wherever your need is greatest, from risk management to payments. Liquidity Management, Cash Forecasting and Netting can go live in 90 days. Add the rest as you go.
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