Ripple is embedding AI agents into its corporate treasury strategy as it seeks to expand its business beyond crypto trading and payments.

The company is using AI agents to automate treasury functions, including managing liquidity, moving funds, and interacting with financial systems, as part of a broader push built around its roughly $1 billion acquisition of treasury-management platform, GTreasury.

 

In a press release, Ripple said:

Already in production across its enterprise customer base, GSmart embeds AI directly into the policies, data, and workflows treasury teams use every day. This expansion adds new policy-governed capabilities across forecasting, liquidity, risk, reconciliation, and reporting, helping finance teams make faster, more informed decisions while maintaining the controls and auditability required by enterprise organizations.

 

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GSmart is specifically designed to solve the governance gap of separating financial calculation from AI interpretation.

 

“Every CFO is under pressure to embrace AI, but they’re equally responsible for ensuring every financial decision is explainable, governed and compliant,” said Renaat Ver Eecke, SVP of Ripple Treasury.

“Rather than asking customers to blindly trust an AI system, GSmart works within each organization’s own treasury policies to surface recommendations transparently, while ensuring humans remain in control of every decision. This isn’t simply AI-native treasury, but rather treasury-native AI.”

 

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Available capabilities include:

  • Orchestrated agents across forecasting and planning, liquidity, risk, reconciliation and reporting. Each agent monitors its process, proposes a specific action, cites the policy clause behind it, and waits for approval before anything executes.

  • Knowledge Studio, which serves as the policy and governance layer for GSmart, allowing treasury teams to define organizational policies and controls that guide how AI capabilities operate. All proposed actions are checked against these controls before being up-leveled to a person.

  • Analytics Studio featuring Ask GSmart, a unified foundation for treasury analytics and AI-powered reporting, with a conversational assistant that helps treasury teams quickly retrieve answers and insights from their data.

 

According to Ripple, GSmart is already seeing adoption across its enterprise customer base:

  • 60% of eligible customers have enabled Risk Insights – which surfaces exposure anomalies and policy breaches – and

  • 44% of eligible customers are leveraging Forecast Insights – which compares forecasted and actual cash flows to identify emerging liquidity gaps.

 

 

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