Ripple expands GSmart in Ripple Treasury to add more AI-driven tools to corporate finance teams
Ripple is fully expanding GSmart functions in its Ripple Treasury, aiming to provide corporate finance teams with more AI-driven solutions. The technology, which is currently used by corporate customers of the San Francisco-based blockchain company, is designed to seamlessly integrate into the policies, data and workflows that the treasury team relies on every day.
Latest expansion of GSmart capabilities
This latest expansion covers areas such as forecasting, liquidity management, risk assessment, reconciliation and reporting, providing the finance team with a new way to assess information and make decisions, while retaining existing controls and audit requirements. The background of this development is that while major companies are rapidly increasing the use of AI agents, their governance systems have failed to keep up.
Ripple disclosed that GSmart takes a different approach to financial decisions, separating calculations from AI interpretation. Its "deterministic engine" is responsible for financial calculations behind the scenes, while AI focuses on reviewing policies, identifying patterns, and explaining recommended courses of action. These smart agents track their respective processing processes and make specific suggestions for action while pointing out the policy terms that support the recommendation. Final implementation still requires manual approval.
At the same time, a "Knowledge Studio" will serve as GSmart's policy and governance layer, allowing the treasury team to define organizational policies and controls to guide how AI capabilities operate. "Analytics Studio" will integrate treasury analysis and AI-based reporting services through the "Ask GSmart" feature.
Renaat Ver Eecke, senior vice president of Ripple Treasury, said: "Every CFO is under pressure to embrace AI, but they also have a responsibility to ensure that every financial decision is explainable, governed and compliant. GSmart does not require customers to blindly trust AI systems, but instead presents recommendations transparently within the framework of each organization's own treasury policies, while ensuring that humans always control every decision. This is not just the vault of native AI, but also the AI of native vault."
AI agents push cryptocurrency into the spotlight
According to leading research and consulting firm Gartner, on average, each Fortune 500 company will run more than 150,000 AI agents in the next two years. However, only 13% of organizations currently believe that they have a governance system suitable for AI agents.
For Binance founder Zhao Changpeng, the connection between AI agents and cryptocurrencies is more profound. He believes that as autonomous software looks for payment systems that can run without human intervention, these agents could become an important force in driving industry adoption. In an interview with Galaxy Research's Alex Thorn, he pointed out that traditional financial systems may block AI agents at card verification or KYC (Know Your Customer) inspections, while blockchain networks are built for collaboration through APIs.
Zhao Changpeng expects that agent-based transactions and payments will appear within a few months and will use cryptocurrencies.

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