Ripple is positioning XRP and its broader treasury stack more deeply inside corporate finance workflows, while the International Monetary Fund has highlighted the XRP Ledger and Stellar as public blockchain networks being used by regulated institutions for tokenized assets.
Ripple Treasury now integrates fiat and digital assets within a single treasury management environment after Ripple acquired GTreasury for $1 billion in October 2025. GTreasury brought more than 1,000 customers across 160 countries, and the combined platform connects with 13,000 banks and financial institutions, reporting approximately $12.5 trillion in annual payments volume. Ripple launched native digital-asset capabilities inside its treasury system in April, and GSmart adds artificial intelligence to forecasting, risk, reconciliation and liquidity management.
Ripple’s stablecoin RLUSD is framed as a settlement tool for treasury operations, including a reported settlement involving Franklin Templeton’s tokenized BENJI fund. XRP’s role is described as dependent on measurable liquidity needs and practical corporate use cases rather than speculative treasury holdings. At the time of reporting, XRP traded around $1.42 with a market cap near $89.5 billion and roughly $2.8 billion in 24-hour volume.
Separately, the IMF’s July tokenization report identified Société Générale’s EUR CoinVertible stablecoin as operating across Ethereum, Solana, Stellar and the XRP Ledger. The report notes that banks are experimenting with permissionless networks while retaining controls such as whitelisting. It also emphasizes that network usage does not automatically create direct demand for native tokens such as XRP or XLM, since settlement design and liquidity arrangements determine actual token requirements.
