Corporate cash usually sits idle overnight, on weekends and during holidays. Ripple is now targeting that gap: Ripple Treasury introduced 24/7 Returns and new AI automation tools, letting eligible business clients earn on qualifying digital assets, including RLUSD held in a Ripple wallet.

The AI layer works with GSmart across cash positioning, forecasting, reconciliation and payments. Companies can pick manual, semi-autonomous or fully autonomous mode for each workflow, so an overnight sweep can run on its own while an FX hedge still waits for approval. In September, every GSmart action still required sign-off.

Ripple names American Airlines, Subway, Christian Louboutin, Adecco, Kingfisher and Trax among Ripple Treasury clients.

The treasury business came from Ripple's $1B GTreasury acquisition in October 2025, which brought more than 1,000 corporate customers. Digital assets stay optional: clients can keep fiat rails and existing banks, which makes the platform a distribution channel for RLUSD rather than a mandate.