Ripple launches enterprise back-office to manage XRP and fiat, targeting the $13 trillion enterprise digital asset custody systems market

Ripple is integrating native digital asset capabilities into its enterprise treasury management system, Ripple Treasury, launching two major new features—“Digital Asset Accounts” and “Unified Treasury”—so that for the first time, corporate finance chiefs can manage XRP, the RLUSD stablecoin, and traditional fiat currency assets in a single back office.
(Background context: Ripple applies for a “U.S. bank charter”; CEO: once approved, $RLUSD will become the new standard stablecoin)
(Background add-on: a one-stop guide to the global value transfer network of XRP, RippleNet, and RLUSD).

On Thursday, Ripple announced the addition of two features to its enterprise treasury management system, Ripple Treasury: “Digital Asset Accounts” and “Unified Treasury,” enabling businesses to view and manage XRP, RLUSD, and traditional fiat balances within a single interface, without needing additional wallet or custodial infrastructure.

This is the industry’s first example of native, built-in digital asset functionality within a treasury management system—at least, that’s what Ripple claims.

The underlying infrastructure for $13 trillion in payment volume

These two features are built on top of GTreasury, which Ripple acquired for $1 billion in 2025.

Last year, GTreasury handled $13 trillion in payment volume for customers, ranging from small and medium-sized enterprises to Fortune 500 companies. The digital asset layer is layered over existing infrastructure, not built from scratch.

Digital Asset Accounts lets finance teams create digital asset accounts directly within the platform. Token balances such as XRP and RLUSD will be displayed alongside cash positions, along with real-time exchange-rate conversion and an algorithm that translates token prices into fiat value. All transactions automatically record the native amounts, their fiat equivalents, and the prevailing market prices at the time, forming a complete audit trail with precision up to 15 decimal places, fully aligned with on-chain data.

Unified Treasury, meanwhile, connects multiple external custodians via API, using the existing bank integration connection layer in Ripple Treasury, without the need to bolt on a separate system.

According to Coindesk, in comments from Renaat Ver Eecke, senior vice president of Ripple Treasury, “Digital assets have already come to the CFO’s desk. The question has shifted from ‘whether to get involved’ to ‘how to get involved without disrupting existing operations.’”

Ripple says these two features are just the starting point for a broader framework. Future plans include expanding into cross-border settlement, payments within the group, and generating overnight yield on idle cash through a repurchase agreement market, all driven by stablecoins.