Jakarta, Pintu News – Ripple is expanding its use of blockchain technology by launching a new platform called Ripple Treasury. This product is designed to address the cash management and liquidity needs of global companies that have been dependent on the conventional banking system.

Unlike crypto products that focus on asset trading, Ripple Treasury targets corporate back-office functions. This move confirms Ripple’s strategy of pushing the utility of blockchain beyond cryptocurrency speculation.

Ripple Treasury and Integration with Legacy Financial Systems

Ripple Treasury was introduced as a comprehensive treasury management platform that combines Ripple’s crypto-native infrastructure with GTreasury’s proprietary workstations. GTreasury’s own systems have been used by corporate finance teams for over four decades.

This integration allows companies to adopt blockchain technology without having to abandon established systems. The approach is designed to make the transition to the new technology smoother.

Through Ripple Treasury, companies gain unified visibility over cash and digital assets in a single interface. This feature enables more efficient management of forecasting, payments, and cross-border liquidity. Ripple considers system fragmentation to be one of the main causes of global treasury inefficiency. With an integrated platform, operational complexity is expected to be significantly reduced.

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Eliminating Pre-Funding in Cross-Border Payments

One of the classic problems in global cash management is the need for pre-funding in various local bank accounts. This practice makes it difficult to optimize the company’s working capital.

Ripple Treasury is designed to address these issues by utilizing blockchain as a real-time settlement layer. This approach enables the movement of funds without having to hold large balances in multiple countries.

Ripple executive Reece Merrick stated that the new system aims to eliminate the need for pre-funding completely. With blockchain-based settlement, cross-border payments can be made faster and more flexibly.

Proof of Blockchain’s Utility in the Corporate World

The launch of Ripple Treasury is Ripple’s attempt to prove that blockchain has real uses beyond cryptocurrency trading. So far, crypto adoption by large companies has often been limited to investment or hedging. Ripple is positioning blockchain as a core operational infrastructure for financial functions. This approach expands the role of crypto technology in the global financial system.

Ripple also emphasized that Ripple (XRP) remains at the center of the company’s vision. While Ripple Treasury is not focused on trading digital assets, the crypto-native infrastructure opens up opportunities for cryptocurrency-based settlement integration going forward. This reinforces the narrative that blockchain can support business efficiency. With corporate adoption, crypto’s utility has the potential to expand more broadly and sustainably.

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Reference:

U Today. Ripple Treasury Officially Announced. Accessed January 29, 2026
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