Ripple Enhances Treasury Platform with AI and 24/7 Returns for Corporations

Ripple has announced significant enhancements to its corporate treasury management platform, Ripple Treasury, which now includes AI automation and the ability to earn 24/7 returns on eligible digital assets. This update, revealed on September 10, 2026, aims to position Ripple at the forefront of corporate financial management.

Key Features of the Update

• AI Integration: The centerpiece of the upgrade is GSmart, an AI layer designed to assist with treasury functions such as forecasting, liquidity management, and risk assessment. GSmart's AI agents provide actionable recommendations based on company policies, which must be approved by a human before execution.
• 24/7 Returns: Unlike traditional cash management that operates within banking hours, the new feature allows corporations to earn returns on eligible digital assets continuously, thus changing the dynamics of corporate balance sheets.

Ripple Treasury is not a new venture; it currently serves over 1,000 clients across 160 countries and connects with 13,000 banks, managing approximately $12.5 trillion in annual payment volume. The platform's AI features have already seen adoption, with 60% of eligible clients utilizing Risk Insights and 44% using Forecast Insights.

Background and Future Implications

Ripple Treasury, previously known as GTreasury, was acquired by Ripple for $1 billion in October 2025, marking the company's entry into enterprise treasury management. The recent update builds on earlier enhancements that allowed users to manage both digital and traditional assets in one platform.

The approach taken by Ripple, which emphasizes human oversight in AI recommendations, aims to ensure compliance and ease of defense to auditors and regulators. By integrating digital asset returns with a platform already connected to numerous banks, Ripple is strategically embedding cryptocurrency into the daily operations of corporate treasurers.