#Ripple officially launched Ripple Treasury on January 28, 2026, marking its first major product integration following the $1 billion acquisition of GTreasury in late 2025. The platform is designed for enterprise CFOs and corporate finance teams to manage both traditional fiat cash and digital assets within a single, unified system.
Key Features and Capabilities
The platform aims to replace manual, spreadsheet-based workflows with automated, API-driven processes that treat digital asset platforms as "digital banks".
Near-Instant Settlement: Uses Ripple’s #RLUSD stablecoin to complete cross-border payments in 3–5 seconds, significantly reducing the 3–5 business day delays typical of bank wires.
24/7 Yield Optimization: Provides access to Ripple Prime for overnight secured repo markets and tokenized money-market funds like BlackRock's BUIDL, allowing idle capital to earn yield even on weekends.
Liquidity Management: Integrates with Hidden Road, a prime brokerage Ripple acquired for $1.25 billion, to help companies optimize global liquidity and eliminate costly pre-funding requirements in overseas accounts.
Unified Dashboard: Offers a "Dual-Rail" architecture that displays real-time cash positions, automated forecasting, and reconciliation for traditional currencies, RLUSD, and XRP.
Strategic Context
The launch follows a series of regulatory wins for Ripple, including securing EMI licenses in the UK and Luxembourg and applying for a national bank charter in the U.S.. By embedding #XRP and RLUSD directly into corporate back-office workflows, Ripple is positioning itself as a provider of regulated institutional financial infrastructure rather than just a crypto payment service.
