Ripple (CRYPTO: XRP) on Tuesday launched the Ripple Treasury, which integrates GTreasury’s enterprise software and enables 3-5 second cross-border settlements using RLUSD (CRYPTO: RLUSD) stablecoin versus traditional 3-5 day wire transfers.
What Ripple Treasury Actually Does
The platform combines traditional cash management with digital asset operations in a single system, solving a major problem for corporate finance teams: managing both regular money and crypto without spreadsheets.
Cross-border payments using RLUSD stablecoin settle in 3-5 seconds instead of 3-5 business days.
That means companies can move money internationally without tying up capital for days waiting for banks to process transfers.
Ripple Treasury provides direct API integrations that treat digital asset platforms like “digital banks”—balances and transactions flow into existing workflows automatically.
The platform also connects to overnight repo markets and tokenized money market funds like BlackRock’s BUIDL, letting companies earn yield 24/7 instead of leaving cash idle when banks close at 5pm.
The Acquisition Strategy
This is Ripple’s first major product integration since acquiring Chicago-based GTreasury for $1 billion in October, which brought 40 years of enterprise treasury expertise.
The platform also leverages Hidden Road, the prime broker Ripple acquired for $1.25 billion last year, to provide access to repo markets.
Ripple is building an end-to-end institutional financial services stack: payments, custody, liquidity, and now treasury management.
Ripple’s Regulated Expansion
The launch comes as Ripple aggressively expands its regulated footprint globally.
Earlier this month, Ripple received approval from the UK’s financial regulator for its Electronic Money Institution license.
The company also secured preliminary approval for an EMI license from Luxembourg’s financial regulator.
In the U.S., Ripple applied for a national banking license with the Office of the Comptroller of the Currency in July 2025, following similar applications from Circle (NYSE:CRCL) and BitGo.
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