ripple treasury launches native digital asset accounts unifying cash and crypto

Global finance teams are gaining a new way to manage cash and crypto as ripple treasury introduces integrated tools for digital asset management and liquidity oversight.

Ripple Treasury adds native digital asset capabilities to its TMS

Ripple, based in San Francisco, has unveiled Digital Asset Accounts and Unified Treasury within Ripple Treasury, embedding native crypto functionality directly into its treasury management system. CFOs and corporate treasury teams can now view, hold, receive, and manage both fiat and digital balances from banks and custodians in one interface, removing fragmented platforms and manual reconciliation workflows.

According to Ripple, no other TMS currently offers native on-platform digital asset management at this depth, setting a new competitive benchmark for the Ripple Treasury platform and its institutional clients. Moreover, the launch aims to streamline complex liquidity operations that previously required separate systems, spreadsheets, and custom integrations.

Building on legacy treasury expertise and GTreasury acquisition

The new capabilities build on more than 40 years of enterprise treasury management experience, significantly extended into digital assets following Ripple’s acquisition of GTreasury in 2025. In that same year, Ripple Treasury processed $13 trillion in payments volume, serving customers from SMEs to Fortune 500 corporations across multiple sectors.

Digital Asset Accounts and Unified Treasury now extend this established infrastructure to crypto for the first time, with multiple customers already in beta ahead of the global GA release. Furthermore, the company positions this expansion as a bridge between traditional liquidity management and onchain value transfer, while keeping existing treasury controls intact.

Corporate demand for digital assets and stablecoin infrastructure

Corporate interest in digital assets is accelerating. In 2026, Ripple surveyed more than 1,000 global finance leaders and found that 72% believe they must offer some form of digital asset solution to stay competitive. However, many respondents said they lack a starting point that fits into current treasury workflows and risk frameworks.

This sentiment aligns with the rapid rise of stablecoins, which processed $33 trillion in volume last year, up 72% from 2024. That said, only a fraction of that volume has been used for operational payments such as payroll or remittances to date. Ripple argues that infrastructure, not demand, has been the limiting factor and that its new tools are designed to close this gap.

Executive view: bringing digital assets to the CFO’s desk

“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,” said Renaat Ver Eecke, SVP, Ripple Treasury. He emphasized that the platform gives finance leaders a single, trusted place to manage both digital and fiat assets.

Ver Eecke highlighted that treasury teams can avoid building their own integrations to custody providers, wallets, or exchanges, since the platform centralizes these elements under one interface. Moreover, he said corporate treasury has not previously had a digital solution with this level of embedded functionality and operational control.

Digital Asset Accounts: regulated, Ripple-native structures

Digital Asset Accounts allow treasury teams to create and manage a regulated Ripple-native digital asset account directly inside the platform, without external onboarding or third-party custody systems. Balances in assets such as XRP and Ripple USD (RLUSD) appear within the same account structure as cash, with real-time valuation and consistent transaction discipline.

Key features include real-time fiat valuation using live exchange rates from leading market data providers, refreshed within seconds of each transaction. In addition, the system supports 15-decimal precision for onchain values, capturing native notional exactly as it exists and helping eliminate rounding discrepancies that often cause reconciliation gaps in traditional setups.

The platform also automates transaction recording, capturing native notional, fiat equivalents, and market prices at the moment of each event. Consequently, this creates a complete audit trail for finance, risk, and control teams, aligning digital asset activity with existing accounting and compliance standards.

Unified Treasury: single view of global liquidity

The Unified Treasury capability gives treasury departments real-time visibility across all digital asset and cash positions in a single dashboard. Customers that hold crypto across multiple custodians can connect those providers via Ripple Treasury’s ClearConnect connectivity layer, the same integration layer used for bank connections. This reduces the need to manually assemble data from disparate systems.

Among the key functions are direct API connectivity to multiple digital asset providers, with onboarding completed in minutes rather than weeks. Moreover, real-time market rates are applied to digital asset balances in the chosen reporting currency, removing the need for manual conversions or separate data feeds that might introduce errors or delays.

Unified Treasury also delivers automated transaction synchronization, reflecting digital asset activity in the platform as it occurs. This eliminates manual imports and batch processing delays, which often hinder timely decision-making for liquidity and risk management in global organizations.

Design principle: digital assets should behave like cash

“The design principle behind both capabilities is that digital assets should behave exactly like cash within the platform,” said Mark Johnson, VP, Global Product, Ripple Treasury. “There is no separate digital asset workflow. Treasury teams should not have to think about whether a balance is onchain or in a bank account.”

According to Johnson, this approach allows teams to focus on overall positions and policies rather than underlying settlement technology. However, the system still preserves full transparency, ensuring that every movement of value is recorded with the same rigor as traditional treasury transactions.

Future roadmap and integration with Ripple solutions

Digital Asset Accounts and Unified Treasury are the first elements in ripple treasury’s broader digital asset framework, which will expand to connect with Ripple products for cross-border and intercompany settlement. Planned features include 24/7 yield on idle cash through overnight repo and additional services powered by stablecoins and other digital assets.

Both capabilities are designed to slot into each organization’s existing approval processes, audit trails, and compliance controls without forcing a disruptive overhaul. Moreover, companies can adopt the new tools at their own pace, aligning rollouts with internal policy changes, regulatory guidance, or technology upgrades.

Availability and company background

Ripple notes that product and service availability will vary by geography, and offerings may be delivered by different Ripple entities depending on regulatory and product considerations. Interested enterprises can find more information and regional specifics at treasury.ripple.com.

Founded in 2012, Ripple is a leading provider of blockchain-based enterprise solutions spanning global payments, custody, liquidity, and treasury management. Its stablecoin RLUSD and the XRP token underpin these services, helping Ripple and its clients move, store, exchange, and manage value across both traditional and digital financial rails.

In summary, the new native digital asset features in Ripple Treasury aim to give CFOs and treasury leaders a unified, audit-ready environment to manage cash and crypto side by side, while preparing their organizations for the next phase of digital finance.