The world's first comprehensive treasury platform combining 40 years of enterprise treasury expertise with cutting-edge blockchain infrastructure

Today marks a pivotal moment in corporate finance. Following Ripple's acquisition of GTreasury, we're proud to introduce Ripple Treasury, Powered by GTreasury: a unified platform that gives CFOs, Treasurers, and Accounting teams complete control over both traditional and digital treasury operations.

This isn't about choosing between the old and the new. It's about having both, seamlessly integrated, in a single platform.

The Challenge: Treasury Teams Are Being Asked to Do More With Less

Corporate treasury has always been complex. But today's finance leaders face unprecedented challenges:

• Working capital sitting idle in bank accounts earning nothing while markets close at 5pm and weekends pass
• Multi-day settlement delays creating FX exposure and cash flow uncertainty
• Millions locked in overseas pre-funding requirements that could be deployed strategically
• Hidden costs in FX spreads and correspondent banking fees
• Zero visibility into when international payments will actually settle
• Fragmented systems requiring spreadsheets to reconcile traditional cash and emerging digital assets

Meanwhile, digital assets (stablecoins, tokenized securities, and blockchain-based payments) are no longer theoretical. They're being adopted by forward-thinking enterprises right now. But existing treasury systems weren't built for this reality.

Finance teams face an impossible choice: stick with familiar treasury platforms that can't handle digital assets, or adopt crypto-native solutions that lack enterprise treasury fundamentals.

Until today.

Why Ripple? Enterprise-Grade Blockchain Infrastructure Meets Regulatory Credibility

Ripple brings something no other technology provider can offer: proven enterprise blockchain infrastructure already trusted by hundreds of global financial institutions, combined with the regulatory credibility and institutional-grade solutions that CFOs require.

Ripple Treasury gives corporations and enterprises access to digital asset infrastructure built for the speed, scale, and complexity of modern treasury operations. Treasury teams can unlock idle capital, move funds instantly, incorporate digital assets into your treasury management strategies, and create new growth opportunities.

With more than 40 years of experience serving the world’s largest and most sophisticated companies, GTreasury adds a proven treasury command center to Ripple’s solutions. Together, they enable customers to move, manage, and optimize liquidity in real time, across traditional and digital assets, within a single, integrated treasury framework.

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Introducing Ripple Treasury: How GTreasury Has Evolved as Part of Ripple

This Is About Choice

Digital asset adoption is accelerating. Your customers, suppliers, and banking partners are exploring stablecoins, tokenized securities, and blockchain-based payments. The question isn't whether digital assets will be part of treasury operations. It's whether your treasury platform will be ready.

Ripple Treasury is the only single-provider solution that gives you complete control over both traditional and digital treasury operations. You're not forced to choose. You're not managing multiple vendors. You're not maintaining separate systems with spreadsheets in between.

You have one platform. Complete visibility. Total control.

Leading Digital Enabler: Your Best Partner for Digital Adoption

Whether you're taking your first steps into digital assets or you're already managing stablecoins alongside traditional cash, Ripple Treasury meets you where you are and grows with you.

Here's what our customers are doing right now:

1. Seamless Unified Visibility: Traditional + Digital Asset Management

The Challenge: Finance teams managing digital assets alongside traditional cash resort to spreadsheets, creating compliance gaps and hidden risks.

Ripple Treasury Solution: Direct API integrations to any digital asset platform, treating them as "digital banks" the same way GTreasury treats traditional banks today. Balances, transactions, and market price positions flow into existing treasury workflows.

The Impact: CFOs gain strategic decision-making power across all assets. Treasurers achieve 24/7 global liquidity optimization. Accounting teams get automated reconciliation with immutable audit trails.

2. Overnights and Weekends: 24/7 Yield Optimization

The Challenge: Working capital sits idle earning nothing in traditional bank deposits. Money market funds have daily NAV cycles. Banks close at 5pm. Weekends are unproductive. No access to institutional repo markets.

Ripple Treasury Solution:

• Ripple Prime for overnight secured repo markets with Ripple’s stablecoin, RLUSD, collateral and U.S. Treasury backing
• Tokenized money market funds like BlackRock BUIDL with daily NAV and same-day redemption
• Ripple MMF Portal on XRPL for one-click investment with instant redemption
• All accessible directly in GTreasury with policy-based controls and full audit trails

The Impact: Put every dollar to work 24/7 while maintaining instant liquidity access. Earn institutional-grade returns on balances that would otherwise sit idle, within strict treasury risk parameters.

3. Cross-Border Payments: Eliminate Settlement Delays and FX Risk

The Challenge: Wire transfers taking 3-5 business days to clear internationally. Multi-day FX exposure. Hidden correspondent banking fees. 14% error rate in traditional cross-border payments.

Ripple Treasury Solution:

• Settle cross-border transfers in RLUSD stablecoins maintaining dollar value throughout transit
• Convert to local currency only at destination: compress FX risk from days to seconds
• Access competitive FX rates through Ripple network liquidity providers with transparent pricing
• Automated FX policy rules for corridor-specific optimization

The Impact: Eliminate exchange rate volatility during settlement windows. Protect budgeted amounts. Reduce FX costs through transparent pricing. For high-volume corridors like USD to MXN or USD to BRL, this transforms treasury operations.

4. Vendor Payments: Instant Settlement, Working Capital Optimization

The Challenge: Payments initiated Friday don't settle until Monday or Tuesday. Capital trapped in overseas pre-funding accounts. No visibility into payment status. Suppliers demanding faster payment terms.

Ripple Treasury Solution:

• 3-5 second settlement using digital assets as bridge currency, regardless of banking hours or holidays
• Eliminate overseas pre-funding requirements freeing millions in trapped working capital
• Real-time payment tracking through blockchain transparency
• Instant confirmation to suppliers improving relationships and potentially capturing early-payment discounts

The Impact: Unlock trapped capital. Improve supplier relationships. Optimize working capital strategies with just-in-time payments instead of conservative pre-funding.

The Bottom Line: Transform Treasury from Cost Center to Strategic Value Driver

Ripple Treasury, Powered by GTreasury delivers three fundamental advantages:

1. No Friction Financial Visibility & Control

Single unified platform delivering real-time cash positions, automated forecasting, and seamless reporting across traditional cash, digital assets, RLUSD, and XRP holdings. This gives CFOs strategic decision-making power, Treasurers 24/7 global liquidity optimization, and Accounting teams automated reconciliation with immutable audit trails.

2. Operational Excellence & Cost Savings

Deploy enterprise treasury management with instant blockchain settlements, unlocking trapped capital through eliminated overseas pre-funding requirements, reducing FX costs, and enabling 3-5 second global payments. This delivers immediate ROI for CFOs, operational efficiency for Treasurers, and streamlined period closes for Accounting.

3. Strategic Competitive Positioning

First-mover advantage with a compliance-first, enterprise-grade blockchain infrastructure trusted by hundreds of global banks, enabling next-gen working capital strategies, tokenized asset management, and programmable payments. This positions CFOs as digital transformation leaders while providing Treasurers innovative liquidity solutions and Accounting teams future-ready compliance frameworks.

This Is Just the Beginning

The integration of GTreasury's 40 years of treasury expertise with Ripple's cutting-edge blockchain infrastructure creates something that has never existed before: a treasury platform built for both today's operations and tomorrow's innovation.

Digital assets. Tokenized securities. Central bank digital currencies. Real-time settlement rails. Programmable payments. Your treasury platform is ready.

Traditional cash management. Multi-currency operations. FX risk management. Investment optimization. Bank reconciliation. Your treasury platform excels.

One platform. Complete control. Unlimited potential.

Ready to Learn More?

Whether you're an existing GTreasury customer curious about what this means for your roadmap, or a CFO exploring how to position your treasury for the digital future, we're here to help.

Ripple Treasury, Powered by GTreasury isn't just a rebrand. It's a transformation and an invitation to transform your treasury operations alongside us.

Contact us today to discover how Ripple Treasury can help you:

• Gain complete visibility across traditional and digital assets
• Unlock trapped working capital
• Optimize yield on idle balances 24/7
• Eliminate cross-border payment friction
• Position your organization at the forefront of digital treasury innovation

We will host a webinar on Wednesday, January 28th at 10:30am CT to share more about what Ripple Treasury can do for you. Register here.

The future of CFO operations is here. And it has no friction or boundaries.

Ripple Treasury, Powered by GTreasury. Where 40 years of treasury expertise meets the future of CFO Operations.

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