On Tuesday, Ripple announced the launch of Ripple Treasury, a pioneering treasury management platform that integrates the enterprise capabilities of GTreasury’s software. This system allows corporate finance teams to manage both traditional cash and digital assets within a unified interface, addressing long-standing challenges around reconciling these distinct financial streams.
Ripple Treasury's standout feature is its use of the RLUSD stablecoin to facilitate cross-border payment settlements in just three to five seconds, a significant improvement compared to the conventional three to five business days required by wire transfers. This acceleration unlocks liquidity efficiencies for businesses, enabling international fund transfers without immobilizing capital for extended periods while waiting for banking processes to complete.
Designed with automation in mind, the platform offers direct API integrations that treat digital asset platforms akin to "digital banks." This capability ensures that digital balances and transaction data seamlessly flow into existing treasury workflows without manual intervention, reducing errors and enhancing operational efficiency.
Beyond payment processing, Ripple Treasury extends its functionality by linking companies to overnight repurchase (repo) markets and tokenized money market funds such as BlackRock’s BUIDL. This connection allows corporate treasuries to earn yields around the clock, a departure from traditional banking hours where idle funds typically generate no return after markets close at 5 p.m.
The launch represents Ripple's first major product deployment since its $1 billion acquisition of GTreasury in October. This move brought four decades of corporate treasury expertise into Ripple’s fold, enriching its capability to service institutional financial management comprehensively.
Additionally, Ripple Treasury builds upon Ripple’s earlier $1.25 billion purchase of Hidden Road, a prime brokerage firm specializing in repo market access. By leveraging Hidden Road's infrastructure, Ripple completes an end-to-end institutional financial services ecosystem encompassing payments, custody, liquidity provision, and now treasury management.
Complementing its product development, Ripple is actively advancing its regulatory positioning globally. Notably, the company secured authorization from the United Kingdom’s financial regulator to operate as an Electronic Money Institution (EMI) earlier this month. Ripple also obtained preliminary regulatory nods for an EMI license in Luxembourg, evidencing its commitment to operating within established financial frameworks.
In the United States, Ripple submitted an application for a national banking license to the Office of the Comptroller of the Currency in July 2025. This regulatory initiative places Ripple alongside other fintech firms such as Circle and BitGo, which have pursued similar banking charters, positioning the company to operate under rigorous U.S. financial oversight.
Ripple Treasury thus embodies a concerted effort by Ripple to merge the worlds of conventional corporate finance and crypto asset management. By enabling treasury teams to operate across cash and digital currencies in a single, automated environment, the platform addresses inefficiencies caused by siloed systems and manual processes.
This cross-border payment innovation using RLUSD stablecoin harnesses blockchain technology to vastly reduce settlement times, accelerating working capital cycle time and enhancing liquidity management for multinational corporations.
From a strategic standpoint, the combination of Ripple Treasury with Ripple’s existing payments network, custody solutions, and liquidity platforms positions the company as a growing provider of comprehensive solutions tailored to institutional clients' evolving financial needs.