Ripple Treasury (GTreasury) AI features and pricing (October 2026)

Ripple Treasury, Powered by GTreasury, is an enterprise treasury management system for cash visibility, forecasting, risk management and payments, with GSmart AI agents that propose actions based on company policy and wait for human approval.

The platform provides cash visibility across accounts, cash flow forecasting, risk management and hedging, payment processing and digital asset integration, with connections to 13,000 banks. GTreasury, based in Chicago with offices in Dublin, London, Sydney, Singapore and Manila, was acquired by Ripple for $1 billion; the deal was announced on October 16, 2025 and closed in December 2025. According to Ripple, GTreasury serves more than 1,000 customers in 160 countries, and the website names Woolworths, Volvo and American Airlines.

• Proposes actions with policy citationsGSmart agents propose treasury actions and cite the policy clause each proposal is based on, then wait for human approval. Treasurers see why an action is suggested and keep the decision.
• Turns policies into rulesKnowledge Studio acts as a control layer that converts the organization's treasury policies into enforceable rules for the agents. Policy stays in the hands of the treasury team rather than in the AI model.
• Documents every actionAn audit trail automatically records the policy basis of every action. Internal audit and external auditors can trace why a payment or transfer was proposed and who approved it. This simplifies documentation for the internal control system.

• Agents cite the policy clause behind each proposal and require human approval before acting.
• Integrates digital asset capabilities through its owner Ripple, next to classic bank connectivity to 13,000 banks.
• According to the GSmart AI security page, customer data stays in the region the customer selects and is not used to train models.

GTreasury is headquartered in Chicago and has belonged to San Francisco-based Ripple since December 2025.

Clarify how the Ripple ownership affects your contract, product roadmap and data handling, and whether you want the digital asset features at all. The security page lists SOC 1 Type II and SOC 2 Type II; ask which storage region you can select and request the DPA and sub-processor list, which were not published on the pages we reviewed in September 2026. Check ERP and bank connectivity and the approval workflow for payments.

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