Ripple Treasury Processes $13 Trillion in Payments Amid Major TMS Upgrade

Ripple CEO Brad Garlinghouse said that Ripple Treasury handled $13 trillion in payments in 2025. He anticipates the number will grow in 2026 with the rollout of an upgraded TMS. The new system aims to simplify how institutions manage both digital and fiat assets.

The upgraded TMS enables CFOs to manage digital and fiat liquidity within a single platform. This reduces the complexity of using multiple systems and provides a streamlined interface for digital asset management.

An important feature of the TMS is the ability to manage assets such as XRP and RLUSD alongside traditional cash. This is a first in corporate finance platforms.

Why Did This Happen?

Ripple launched its Digital Asset Accounts and Unified Treasury in January 2026. This was made possible by the $1 billion acquisition of GTreasury in 2025. The integration of GTreasury brought decades of enterprise treasury experience to Ripple, enabling it to offer advanced digital asset solutions.

The new system allows for real-time visibility and automated audit trails for all digital and fiat transactions. This helps CFOs stay compliant without manually tracking positions across platforms.

What Are Analysts Watching Next?

Ripple's survey of 1,000 financial leaders found that 72% are interested in offering digital asset solutions. This trend highlights the growing corporate interest in digital assets. The platform's ability to reduce manual reconciliation and streamline workflows is a key factor in its appeal.

Ripple has also expanded partnerships with major institutions like Deutsche Bank and BlackRock. These collaborations signal the platform's potential to reshape global finance operations.

How Will This Affect the Market?

RLUSD, Ripple's stablecoin, has seen significant growth, reaching $1.56 billion in market cap by March 2026. This is up from $132 million in the previous year. The success of RLUSD and XRP within the TMS reflects strong demand for digital asset integration.

With the new TMS, Ripple aims to make digital asset management a core part of corporate finance. This shift could influence how CFOs and financial institutions approach liquidity and compliance.

Renaat Ver Eecke, SVP of Ripple Treasury, stated that digital assets have arrived at the CFO's desk. The challenge now is not whether to engage with them but how to do so effectively without disrupting existing operations.