Ripple expands GSmart AI tools for enterprise treasury

Ripple has expanded GSmart, a suite of policy-governed AI agents integrated into its Ripple Treasury platform. The expansion follows Ripple’s $1 billion acquisition of GTreasury. The new tools are designed to assist enterprise finance teams with cash forecasting, liquidity planning, risk management, reconciliation, and reporting.

The platform utilizes a dual-layer architecture to ensure financial accuracy and human oversight. Deterministic engines perform all core financial calculations to prevent errors associated with probabilistic AI models, while AI agents interpret company policies, identify data patterns, and provide explanations for their recommendations.

To maintain control, the system requires human approval for all financial transactions. AI agents can flag potential policy breaches and cite specific internal rules, but they cannot execute moves independently. Ripple reports that 60% of eligible customers currently use the Risk Insights feature, while 44% utilize Forecast Insights.