In today's rapidly evolving payments landscape, treasury leaders are inundated with claims about "rail agnostic" platforms and promises of flexibility. But when you scratch beneath the surface, you might ask: does your treasury solution provider truly empower you with choice, or are they quietly steering you toward their preferred rails and partners?

At Ripple and GTreasury, we believe CFOs and Treasurers deserve more than marketing buzzwords. They deserve proven infrastructure, genuine optionality, and the deep expertise that comes from decades of treasury innovation combined with a global payments network serving hundreds of financial institutions. Most importantly, they deserve solutions that create steady, productive ripples in their operations, not disruptive waves that cause unnecessary turbulence.

Ripple and GTreasury deliver genuine choice, proven efficiency, and unparalleled expertise without the lock-in.

What "Rail Agnostic" Really Means (And Why It Matters)

True rail agnosticism isn't just about connecting to multiple payment rails. It's about maintaining complete independence from any single infrastructure provider while delivering measurable value. Here's what genuine rail agnosticism looks like in practice:

No Lock-In, Period

‍With Ripple and GTreasury, your treasury systems remain yours. We enhance your existing connectivity across banks, ERPs, and treasury workflows without forcing you onto proprietary rails or creating dependencies that limit your future flexibility. Your current GTreasury services, features, and workflows continue unchanged; you simply gain additional powerful options when you're ready.

Choice Over Mandates

‍Unlike platforms that subtly push customers toward their own payment infrastructure or preferred partners, we offer you the choice between traditional wire transfers, SWIFT, ACH, and instant blockchain-based payments, all based on your specific transaction needs, not our business model. You maintain complete control over if and when to explore new digital asset features; adoption is entirely at your pace.

Open Architecture

Our platform is built on the principle that your treasury solution should integrate seamlessly with your existing technology stack, not replace it with ours. All existing connectivity across banks, ERPs, and other treasury systems remains fully supported and enhanced.

The Expertise Advantage: Hundreds of Financial Institutions Can't Be Wrong

When evaluating treasury partners, expertise matters. Consider the difference:

Ripple's Proven Track Record:

1. Global Financial Network: Ripple's infrastructure currently serves hundreds financial institutions worldwide, processing billions in cross-border payments
2. Operational Scale: Facilitates instant cross-border payments to 65+ markets with demonstrated cost savings of up to 90% compared to traditional transfers
3. Real-World Performance: Banks and financial institutions have used Ripple's technology, including payments, custody, and their stablecoin, RLUSD, all around the world, handling real money, real compliance requirements, and real-time performance

GTreasury's Depth:

1. 40 Years of Treasury Expertise: GTreasury has been exclusively focused on corporate treasury since its founding, developing deep domain knowledge in cash management, risk management, and treasury operations
2. Enterprise-Grade Solutions: Trusted by global enterprises for managing complex, multi-entity treasury operations across diverse regulatory environments
3. Customer-Centric Innovation: Decades of customer feedback have shaped a platform that understands the nuanced needs of corporate treasury teams

When you combine Ripple's proven payment infrastructure with GTreasury's treasury-specific expertise, you get a solution that understands both the technological possibilities AND the operational realities of corporate treasury. This dual expertise means solutions that actually work in your environment, not theoretical capabilities that require you to adapt your business to fit the technology.

In contrast, treasury platforms that have recently bolted on blockchain capabilities or partnered with a single stablecoin provider are offering limited, proprietary access to emerging payment rails, not the breadth of choice and depth of expertise that comes from years of building and operating global payment infrastructure.

Tangible Payment Efficiencies: Real Results, Not Promises

Let's move beyond theory and examine concrete examples of how Ripple's technology has transformed payment operations for financial institutions and their corporate clients. These are real customer deployments, not pilot programs.

Tranglo: Global Cross-Border Payment Infrastructure

Tranglo, a leading cross-border payments provider, uses Ripple Payments to enable instant transactions across complex corridors. Results include:

• Access to 100+ financial institutions and partners globally through Ripple's network
• Supporting 5,000+ payout partners across 70+ countries
• End-to-end payment processing in less than a minute
• 24/7 liquidity access, including weekends and holidays, making operations seamless

"The ability to tap liquidity anytime, even during weekends or holidays, makes our operations seamless. We can process a payment end-to-end in less than a minute. The speed is a game-changer." - Tranglo

SBI Remit: Japan-Thailand Instant Remittances

SBI Remit partnered with Ripple to power instant remittances between Japan and Thailand, transforming a traditionally slow corridor into real-time settlement. This enables:

• Instant settlement between Japan and Thailand
• Real-time confirmation for both senders and receivers
• Improved customer experience through speed and transparency
• 24/7 availability for time-sensitive transfers

Siam Commercial Bank: Innovation in Thai Banking

One of Thailand's largest banks leverages Ripple to drive innovation in cross-border remittances:

• Instant cross-border payments replacing multi-day settlement
• Enhanced customer experience through real-time tracking
• Competitive advantage in the Thai banking market
• Reduced operational complexity in correspondent banking relationships

MoneyMatch: Empowering Malaysian SMEs

MoneyMatch uses Ripple to make it cheaper and faster for Malaysian small and medium enterprises to pay global suppliers:

• Reduced payment costs for SME international transactions
• Faster settlement times improving working capital for small businesses
• Access to global corridors previously expensive or unavailable
• Simplified payment experience for businesses without treasury departments

Travelex Bank: Global Market Access

Travelex Bank, a leading foreign exchange provider operating in 20+ countries, accesses new markets and customers with Ripple Payments:

• Expanded geographic reach through Ripple's network
• New customer acquisition enabled by competitive pricing
• Operational efficiency in managing multi-currency transactions
• Scalable infrastructure supporting growth across markets

These aren't pilots or proofs of concept: they're production systems moving real money for real businesses every day. The infrastructure is proven, the cost savings are measurable, and the operational efficiencies are transforming how organizations think about global payments.

Creating Ripples, Not Waves: The Stability Advantage

In maritime terms, waves create turbulence, instability, and risk. Ripples, by contrast, represent steady, purposeful movement that doesn't capsize the ship. This metaphor perfectly captures our approach to treasury transformation:

Waves = Disruption

• Forced platform migrations that halt operations
• "Rip and replace" implementations that create months of disruption
• Limited digital infrastructure expertise requiring reliance on external partnerships
• Single-vendor digital asset dependencies that create new lock-ins
• Theoretical blockchain capabilities without proven production scale

Ripples = Purposeful Evolution

• Incremental capability additions that integrate with existing workflows
• Optional features that you adopt at your pace, based on your business case
• Backwards-compatible enhancements that don't break existing processes
• Future-ready architecture that doesn't force premature decisions

With Ripple's acquisition of GTreasury, our vision is to create productive ripples, not disruptive waves:

• New blockchain capabilities are offered as options, not requirements
• You control the timeline and scope of any new feature adoption
• All current GTreasury services, features, and workflows continue operating
• Existing bank connectivity and integrations are preserved and enhanced

This approach means you can explore cost-saving opportunities like blockchain-based payments for specific use cases (high-cost corridors, urgent transfers, after-hours settlements) while maintaining traditional rails for transactions where they remain optimal. No disruption or forced migration. Just steady, purposeful improvement at your pace.

The Tokenization Advantage: Preparing for Tomorrow, Today

While we don't force customers onto emerging rails, we'd be remiss not to mention why having access to blockchain infrastructure matters for forward-thinking treasurers:

The market reality:

1. The tokenized asset economy is projected to exceed $600 billion by 2030‍
2. 37% of CFOs already have board-level discussions about digital asset utilization ‍
3. 41% are discussing digital asset strategies with their CIOs
4. Major financial institutions are actively building tokenization capabilities

Your Advantage with Ripple + GTreasury

When these trends accelerate (and they will), you won't need to panic, launch a vendor search, or disrupt operations. You'll already have access to proven blockchain infrastructure through your existing treasury platform, ready to activate when your business case justifies it.

Organizations using alternative treasury platforms will face a choice: stay with their current vendor and miss opportunities, or undertake costly, disruptive platform migrations to access these capabilities. With Ripple and GTreasury, you're prepared for either scenario: traditional rails remain optimal or tokenization accelerates. Either way, you win.

The Questions Your Treasury Platform Should Answer "Yes" To

As you evaluate treasury solutions, whether staying with your current platform or considering alternatives, ask these critical questions:

1. ‍True Independence: Can I use this platform with ANY bank, ANY payment rail, and ANY future infrastructure without lock-in? (Ripple + GTreasury: Yes) ‍
2. Proven Scale: Is this infrastructure processing real money for hundreds of financial institutions globally? (Ripple network: Yes) ‍
3. Measurable Results: Can you show me specific examples of 50%+ cost reductions and multi-day time savings? (See examples above) ‍
4. Optional Innovation: Can I adopt new capabilities incrementally without disrupting existing operations? (Ripple + GTreasury: Yes) ‍
5. Combined Expertise: Does my vendor understand both cutting-edge payment technology AND the nuances of corporate treasury? (40 years GTreasury expertise + Ripple's expansive global payment network) ‍
6. Future-Ready: Will I have access to emerging payment rails and tokenization when MY business is ready, not when the platform forces it? (Ripple + GTreasury: Yes)

If your current platform can't answer "yes" to all these questions, it's worth asking why and what that means for your treasury operations over the next 3-5 years.

A Partner for Evolution, Not Revolution

The best treasury transformations don't announce themselves with fanfare and disruption. They happen gradually, purposefully, and measurable, creating steady ripples of improvement that compound into significant operational advantages.

With Ripple and GTreasury, you get:

1. ‍Genuine rail agnosticism with no hidden lock-ins or preferred-partner pressuremark‍
2. Combined expertise from hundreds of financial institutions and 40 years of treasury specialization
3. ‍Proven payment efficiencies with documented cost savings of up to 90% ‍
4. Incremental innovation that you control and adopt at your pace
5. ‍Future-ready infrastructure for tokenization and digital assets when you're ready ‍
6. Stable operations with enhancement ripples, not disruptive waves

In an era where "rail agnostic" has become a marketing catchphrase, we invite you to look beyond the claims and examine the substance. Evaluate the breadth of choice, the depth of expertise, the proven results, and the architectural philosophy.

Your treasury deserves a partner that creates productive ripples: steady, purposeful movement that advances your operations without creating unnecessary turbulence. Not disruptive waves that force premature decisions or lock you into proprietary infrastructure.

Ready to explore how Ripple and GTreasury can enhance your treasury operations at your pace, with your timeline?

Because the best treasury transformations don't make waves; they create ripples.

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