Ripple Treasury Brings Industry’s First Governed AI for Enterprise Treasury

SAN FRANCISCO – September 10, 2026 – Today, Ripple announced a major expansion of GSmart, the treasury-native AI capabilities built into Ripple Treasury. Already in production across its enterprise customer base, GSmart embeds AI directly into the policies, data, and workflows treasury teams use every day. This expansion adds new policy-governed capabilities across forecasting, liquidity, risk, reconciliation, and reporting, helping finance teams make faster, more informed decisions while maintaining the controls and auditability required by enterprise organizations.

Enterprise adoption of AI agents is accelerating faster than the governance around it. Gartner projects that the average Fortune 500 company could have more than 150,000 agents in use by 2028, while just 13 percent of organizations believe they have the right AI agent governance in place today. For treasury teams responsible for critical financial operations, that governance gap raises the stakes for how and where AI is deployed.

GSmart is specifically designed to solve that gap by separating financial calculation from AI interpretation. Deterministic engines perform the calculations behind financial decisions, while AI is used to interpret policy, identify patterns, and explain recommendations. Treasury teams retain approval authority over every financial action.

“Every CFO is under pressure to embrace AI, but they’re equally responsible for ensuring every financial decision is explainable, governed and compliant,” said Renaat Ver Eecke, SVP of Ripple Treasury. “Rather than asking customers to blindly trust an AI system, GSmart works within each organization’s own treasury policies to surface recommendations transparently, while ensuring humans remain in control of every decision. This isn’t simply AI-native treasury, but rather treasury-native AI.”

The launch includes a broad suite of AI capabilities spanning treasury operations, analytics and risk management. Available capabilities include:

• Orchestrated agents across forecasting and planning, liquidity, risk, reconciliation and reporting. Each agent monitors its process, proposes a specific action, cites the policy clause behind it, and waits for approval before anything executes.
• Knowledge Studio, which serves as the policy and governance layer for GSmart, allowing treasury teams to define organizational policies and controls that guide how AI capabilities operate. All proposed actions are checked against these controls before being up-leveled to a person.
• Analytics Studio featuring Ask GSmart, a unified foundation for treasury analytics and AI-powered reporting, with a conversational assistant that helps treasury teams quickly retrieve answers and insights from their data.

Ripple Treasury is already seeing adoption of GSmart across its enterprise customer base. 60% of eligible customers have enabled Risk Insights — which surfaces exposure anomalies and policy breaches — and 44% of eligible customers are leveraging Forecast Insights — which compares forecasted and actual cash flows to identify emerging liquidity gaps.

GSmart represents the next step in Ripple Treasury’s vision for AI-powered treasury management. With today’s announcement, Ripple Treasury is building the end-to-end system corporate treasurers and CFOs need to manage both traditional and digital assets from a single platform. Following the launch of native digital asset capabilities earlier this year, GSmart adds intelligence and predictive insights across the treasury lifecycle. Together, these capabilities give finance teams the ability to view, predict, move and earn on cash and digital asset balances around the world, bringing traditionally fragmented treasury operations into one connected system.