Ripple has officially launched Ripple Treasury, a comprehensive corporate treasury platform that intertwines GTreasury’s enterprise software with Ripple’s blockchain technology. This strategic move signifies a greater commitment by Ripple to penetrate the institutional finance market.
The new Ripple Treasury platform aims to streamline cash and digital asset management, marking it as the first significant product resulting from Ripple’s $1 billion acquisition of GTreasury in October. The integration endeavors to optimize treasury functions, such as cross-border payments, liquidity management, and asset reconciliation, which have often been cumbersome for large enterprises.
In an announcement, Ripple emphasized that the platform is designed to tackle ongoing inefficiencies faced by finance teams. These challenges include lengthy multi-day settlement times, inadequate transparency surrounding international payments, and a reliance on spreadsheets for reconciling traditional cash with digital assets. The company claimed that Ripple Treasury facilitates cross-border settlements within three to five seconds by utilizing Ripple’s RLUSD stablecoin, compared to the several days traditional payment systems typically require.
The platform offers a unified dashboard, allowing users to manage both fiat and digital assets seamlessly. This integration is set to eliminate manual workflows by establishing direct API connections, treating digital asset platforms as equivalent to banks in functionality. The collaboration is expected to enhance access to short-term liquidity markets, which falls in line with Ripple’s broader institutional offerings. This feature will likely be supported through Hidden Road, a prime broker acquired by Ripple for $1.25 billion, enabling corporate clients to manage liquidity more effectively while adhering to their established controls.
With Ripple Treasury’s launch, Ripple has expressed its commitment to enabling customers to utilize idle cash in a more efficient manner, all while ensuring compliance with reporting standards and treasury governance frameworks.
This development follows Ripple’s broader international expansion tactics. In the previous month, the firm secured approval from the UK’s financial regulator for an Electronic Money Institution license and achieved crypto asset registration. Additionally, Ripple received preliminary approval for a similar license in Luxembourg, further positioning itself to enhance payment services across Europe.
In the United States, Ripple has already applied for a national banking license with the Office of the Comptroller of the Currency in July 2025, reflecting its ambition to integrate deeper with the traditional financial ecosystem. The company has also gained approvals in Dubai and Abu Dhabi and formed partnerships with entities like Zand Bank and Mamo.
Moreover, Ripple is contemplating the introduction of staking on the XRP Ledger (XRPL), a potential move that could further intertwine its decade-old blockchain with the burgeoning decentralized finance sector. Despite its growing footprint and ongoing development initiatives, Ripple has made it clear that it does not plan to move towards an initial public offering, instead focusing on maintaining a robust balance sheet and pursuing strategic acquisitions.
