Digital Asset Accounts and Unified Treasury give CFOs a single, real-time view of fiat and digital liquidity — the first native onchain capabilities embedded directly into an enterprise TMS
Ripple, a provider of blockchain-based enterprise solutions across traditional and digital finance, announced the launch of Digital Asset Accounts and Unified Treasury within Ripple Treasury – the first native digital asset capabilities embedded directly into a treasury management system. CFOs and their treasury teams can now view, hold, receive and manage fiat and digital liquidity held within their bank and custody providers in a single system – eliminating separate platforms, reconciliation workflows, and manual consolidation. No other treasury management system offers this, marking a decisive competitive milestone for both Ripple Treasury and its customers.
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The launch builds on more than 40 years of enterprise treasury management, now expanded into digital assets following Ripple’s acquisition of GTreasury in 2025. That same year, Ripple Treasury facilitated $13 trillion in payments volume for customers ranging from SMEs to Fortune 500 companies. Digital Asset Accounts and Unified Treasury extend that trusted infrastructure into digital assets for the first time, with multiple customers already in beta ahead of today’s global GA launch.
Corporate demand is accelerating: Ripple’s 2026 survey of more than 1,000 global finance leaders found that 72% say they must offer a digital asset solution to remain competitive, yet most lack a starting point that fits within existing workflows. This builds on the rapid growth of stablecoins, which processed $33 trillion in volume last year – up 72% from 2024 – though only a fraction have been used in payments like payroll and remittances to date. The potential is clear, but the infrastructure hasn’t caught up – until now.
“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. “Ripple Treasury gives the office of the CFO a trusted place to hold and manage digital and fiat assets – with no separate interface, no new workflows, and no need to navigate custody, wallets, or exchanges on their own. Corporate treasury has never had a digital solution like this before.”
Digital Asset Accounts
Digital Asset Accounts enable treasury teams to create and manage a regulated Ripple-native digital asset account directly within the platform – no external setup, third-party custody relationship, or separate system required. Digital asset balances including XRP and Ripple USD (RLUSD) appear within the same account structure as cash, valued in real-time and recorded with the same discipline as every other transaction. Key features include:
- Real-time fiat valuation using live exchange rates from leading market data providers, refreshed within seconds of each transaction
- 15-decimal precision capturing native notional exactly as it exists onchain and eliminating rounding discrepancies that can lead to reconciliation gaps
- Automated transaction recording with native notional, fiat equivalent, and market price captured at the time of each event, providing a complete audit trail for finance and control teams
Unified Treasury
Unified Treasury gives treasury teams complete, real-time visibility across all digital asset and cash positions in a single dashboard. Customers holding digital assets across multiple custodians can connect those providers through Ripple Treasury’s ClearConnect connectivity layer – the same layer used for bank integrations – and view their entire liquidity position without assembling data from disparate systems. Key features include:
- Direct API connectivity to multiple digital asset providers with onboarding completed in minutes
- Real-time market rates applied to digital asset balances in the reporting currency of choice, without manual conversion or separate data sources
- Automated transaction sync reflecting digital asset activity in the platform as it occurs, without manual imports or batch delays
“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 shouldn’t have to think about whether a balance is onchain or in a bank account – they should simply see their position.”
Digital Asset Accounts and Unified Treasury are the first two capabilities in Ripple Treasury’s digital asset framework, which will soon expand to connecting with Ripple’s products that enable cross-border and intercompany settlement, 24/7 yield on idle cash through overnight repo, and more, powered by stablecoins and digital assets. Both capabilities are designed to integrate on the organization’s own timeline, without disrupting existing approval processes, audit trails, or compliance controls.
Product and service availability varies by geography. Services may be provided by different Ripple entities based on product, geography, and regulatory considerations.
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