Ripple launches digital asset tools for treasury teams

Ripple has launched Digital Asset Accounts and Unified Treasury within its Ripple Treasury platform, describing them as the first native digital asset functions embedded directly in a treasury management system.

The products target chief financial officers and treasury teams that want to view, hold, receive and manage both fiat and digital liquidity in one system. The aim is to eliminate separate platforms, reconciliation work and manual consolidation across bank and custody providers.

The launch expands Ripple Treasury following Ripple's 2025 acquisition of GTreasury. According to the company, the treasury business builds on more than 40 years of treasury management history and handled $13 trillion in payments volume that year for customers ranging from smaller businesses to Fortune 500 companies.

Market push

Ripple linked the launch to rising interest in digital assets among corporate finance teams. In a survey of more than 1,000 global finance leaders cited by the company, 72% said they must offer a digital asset solution to remain competitive.

The company also pointed to the growth of stablecoins, which it said processed $33 trillion in volume last year, up 72% from 2024. Even so, it argued that use in areas such as payroll and remittances remains limited because finance teams lack systems that fit existing treasury processes.

Under the new arrangement, Digital Asset Accounts let treasury teams create and manage a regulated, Ripple-native digital asset account inside the platform. This is intended to remove the need for external setup, a separate custody relationship or another system to handle balances.

Balances including XRP and Ripple USD, or RLUSD, appear in the same account structure as cash. The system applies real-time fiat valuation, records transactions automatically and maintains an audit trail showing native notional, fiat equivalent and market price at the time of each event.

Unified Treasury, the second product, is designed to give treasury teams a single dashboard showing digital asset and cash positions together. Customers with digital assets held across several custodians can connect those providers through Ripple Treasury's ClearConnect integration layer and view their liquidity position without manually gathering data from multiple systems, according to the company.

The product includes direct API links to several digital asset providers, real-time market rates in a chosen reporting currency and automatic transaction synchronisation as activity occurs.

Executive view

Renaat Ver Eecke, Senior Vice President, Ripple Treasury, outlined the company's view of how corporate finance teams are approaching the sector.

"Digital assets have arrived at the CFO's desk, and the question has shifted from whether to engage to how to do so advantageously without disrupting existing operations. Ripple Treasury gives the office of the CFO a trusted place to hold and manage digital and fiat assets - with no separate interface, no new workflows, and no need to navigate custody, wallets, or exchanges on their own. Corporate treasury has never had a digital solution like this before," said Ver Eecke.

Mark Johnson, Vice President, Global Product, Ripple Treasury, described the design approach behind the two products.

"The design principle behind both capabilities is that digital assets should behave exactly like cash within the platform. There is no separate digital asset workflow. Treasury teams shouldn't have to think about whether a balance is onchain or in a bank account - they should simply see their position," said Johnson.

Broader shift

The move reflects a wider effort by financial software providers to bring digital assets into mainstream treasury operations rather than treating them as a separate specialist activity. For corporate treasury departments, the challenge has often been less about access to tokens and more about how to account for them, report on them and fit them into established internal controls.

By placing digital asset balances alongside cash positions, Ripple is addressing a practical problem for finance functions: visibility. Treasury teams typically want a consolidated view of liquidity across banks, entities and providers, while maintaining audit trails and approval processes and reducing operational complexity.

That pressure has increased as stablecoins have drawn wider attention in cross-border payments and corporate settlement. Ripple said the new products are the first two parts of a broader digital asset framework within Ripple Treasury, although it did not provide operational detail beyond planned links to settlement and cash management products.

Availability will vary by geography, with services provided by different Ripple entities depending on product, location and regulation. Ripple added that multiple customers had already been using the new functions in beta before the global general availability launch.