Ripple launches enterprise financial system! Targeting Fortune 500 companies, implementing stablecoins for instant settlement

Ripple announces Ripple Treasury, integrating GTreasury and $RLUSD to reshape corporate financial management with second-level settlement, targeting the Fortune 500 and the on-chain asset era.

Integrated Acquisition Technology, Ripple Treasury Creates a New Corporate Financial Operating System

The enterprise blockchain developer Ripple officially launched the Ripple Treasury platform on January 28, 2026, marking its entry into the global corporate financial management market, which is valued at up to 120 trillion USD. The core of this strategic move is the integration of the company’s financial management software service provider GTreasury, which was acquired with a $1 billion investment in October 2025, combining 40 years of enterprise-level expertise with digital asset infrastructure.

Image source: Ripple Ripple officially launches Ripple Treasury platform

Ripple Treasury targets global Fortune 500 finance teams and over 1,000 corporate clients, committed to integrating traditional cash management tools with blockchain settlement mechanisms into a single cloud system.

In the past, corporate finance departments were hindered by fragmented processes managing fiat and digital assets. Now, through direct API integration, the platform treats digital asset platforms as “digital banks” for operations. CFOs, finance managers, and accounting teams can gain full control over traditional and digital financial operations, instantly importing balances, transaction records, and market data into existing workflows, thereby enhancing strategic decision-making. This solution upgrades corporate financial architecture from a slow, bank-centric system to a digital operating system capable of 24/7 operation.

Solving Idle Capital Issues, RLUSD Stablecoin Achieves Second-Level Settlement

Currently, up to 700 billion USD of funds on global corporate balance sheets are idle daily, due to slow settlement cycles, pre-funding requirements, and fragmented banking infrastructure. Ripple Treasury addresses this pain point by introducing its $RLUSD stablecoin, valued at 1.42 billion USD, as a settlement medium, reducing cross-border payment settlement times from several business days to just 3 to 5 seconds.

The system supports real-time settlement anywhere, even on weekends or public holidays, allowing companies to withdraw pre-funded capital trapped in overseas accounts and improving capital liquidity. The built-in Ripple Prime module provides users access to a currency market collateralized by $RLUSD, while the Ripple MMF Portal supports one-click investment and instant redemption on the XRPL chain.

Renaat Ver Eecke, CEO of GTreasury, states that when settlement times are shortened, previously inactive cash can start creating value for enterprises.

Additionally, the platform offers transparent pricing mechanisms and competitive rates from network liquidity providers, effectively reducing exchange rate risks and costs in cross-border transfers. Accounting teams can also benefit from automated reconciliation and tamper-proof audit trails, significantly easing back-office operations.

Saudi Arabia and Global Deployment, Regulatory Compliance Promotes Scaled Adoption

Ripple actively expands its regulated financial services footprint in major jurisdictions worldwide and deepens cooperation with traditional banking systems. The company has formed a strategic partnership with Jeel, a subsidiary of Riyad Bank in Saudi Arabia, to develop secure and transparent digital infrastructure and explore blockchain applications to enhance cross-border payment efficiency. This collaboration aligns with Saudi Arabia’s “Vision 2030” digital transformation goals and reflects growing regional interest in blockchain technology.

In terms of regulatory licenses, Ripple obtained an Electronic Money Institution (EMI) license and crypto asset registration from the UK Financial Conduct Authority (FCA) in January 2026, and received preliminary approval for an EMI license from Luxembourg regulators.

Further Reading
Expanding UK Crypto Payment Footprint! Ripple Approved by UK FCA, Becomes a Compliant Electronic Money Institution
Next Stop in the UK! Ripple Receives Preliminary Approval from Luxembourg, Preparing for Regulatory Entry into Europe

In the US market, the company applied for a national bank charter with the Office of the Comptroller of the Currency (OCC) in July 2025 to strengthen its compliant financial position domestically, and received conditional approval in December of that year. Despite frequent large-scale acquisitions in 2025, including the $1.25 billion acquisition of prime broker Hidden Road, Ripple emphasizes its strong balance sheet and currently has no plans for an IPO, focusing instead on growth initiatives like Ripple Treasury. These developments demonstrate Ripple’s commitment to transforming from a payments company into a full-stack financial infrastructure provider.

Wave of Financial Asset Tokenization, On-Chain Financial Management Becomes Future Trend

As global financial markets accelerate toward an “on-chain future,” the emergence of Ripple Treasury aligns with the ongoing transformation of digital assets intertwined with traditional finance. The US Securities and Exchange Commission (SEC) recently approved tokenization services by a subsidiary of DTCC, the US depository trust and clearing corporation, initially focusing on issuing tokenized US Treasuries on the Canton Network.

SEC Chair Paul Atkins’s positive stance on embracing on-chain future policies supports the application of digital assets in enterprise contexts. Major global exchanges like Nasdaq and NYSE are actively developing 24/7 trading tokenized securities platforms, seeking to achieve more efficient settlement cycles through blockchain.

Further Reading
Will US Stocks Go Fully On-Chain? SEC Plans to Open Trading of Tokenized Stocks, Nasdaq Applies
Mainstream Enters! NYSE Announces Development of Tokenized US Stocks and ETF Platforms, Targeting 24/7 Trading

Ripple Treasury enables enterprises to manage these emerging tokenized assets within their existing financial structures, achieving 100% visualization of fiat and digital assets. The system elevates financial functions from administrative tasks to strategic asset management, allowing corporate finance teams to allocate capital in real-time within a rapidly changing digital environment. As traditional financial assets accelerate onto the blockchain, Ripple’s integration of cash management with blockchain infrastructure sets a new technological benchmark for the digital transformation of global corporate finance.