On March 1, 2026, the U.S. Department of the Treasury released the Financial Services AI Risk Management Framework (FS AI RMF), the most concrete federal guidance to date on how AI must be governed, evaluated, and deployed within financial institutions. The framework includes 230 control objectives mapped across the AI lifecycle, adapted specifically for the regulatory and operational realities of financial services.

This guide documents how Ripple Treasury's GSmart AI capabilities align with the FS AI RMF's four core function areas: GOVERN, MAP, MEASURE, and MANAGE. It is designed to give two audiences what they need:

● CFOs and treasury leaders: confidence that the AI powering GSmart Risk Insights and GSmart Forecast Insights was built to meet the governance standards regulators, auditors, and boards now expect.

● IT, security, and compliance teams: a structured, control-by-control reference mapping specific GSmart AI technical controls to FS AI RMF requirements, grounded in Ripple Treasury's AI Security and Compliance documentation.

Ripple Treasury's AI governance posture was built before the FS AI RMF existed. The framework's requirements describe controls GSmart AI already implements - not a roadmap weare working toward.