Ripple’s acquisition of GTreasury is seen as one of the most critical steps in the company’s massive financial transformation strategy that it has been quietly building throughout 2025, according to analyst Max Avery.
Avery describes Ripple’s move as “the next phase in its takeover of traditional financial infrastructure,” noting that it’s much more than just a tech acquisition. GTreasury is a financial platform integrated with more than 13,000 banks, used by global giants like Volvo and Subway, managing treasury operations for companies operating in 160 countries, and processing $12.5 trillion in payments annually.
Ripple’s incorporation of an integrated, reliable, and regulatory-compliant system at this scale means direct access to the world of corporate finance.
The fundamental problem Avery highlights is the inefficiencies multinational companies face in cash management. It’s impossible for a CFO to monitor cash flow in dozens of countries in real-time; a wire transfer from the US to Asia can take three to five days, and transfer fees can eat up 3 to 7 percent of the total amount. Furthermore, the money moves between banks throughout this process, making it difficult to track.
Blockchain, on the other hand, offers infrastructure that can be deployed in seconds, at low cost, and 24/7. However, since it’s unrealistic to ask Fortune 500 companies to build their infrastructure entirely on blockchain, Ripple’s acquisition of GTreasury fills a critical gap. GTreasury is already embedded in the systems of global organizations, giving Ripple the opportunity to integrate blockchain into existing workflows without risk.
This integration creates a hybrid model that doesn’t eliminate traditional banking, but rather expands its options. GTreasury will continue to connect to traditional payment networks like SWIFT and ACH, while also providing access to Ripple’s blockchain infrastructure. This allows companies to use traditional systems for routine payments and process urgent international transfers via blockchain in seconds. Having multiple payment gateways within the same interface will allow for a seamless and rapid transformation.
Avery noted that the GTreasury acquisition would be incomplete when evaluated in isolation, highlighting Ripple’s other strategic moves throughout 2025. Metaco, which the company acquired for $250 million, provides secure digital asset storage infrastructure for banks and institutions and is a prerequisite for large-volume value transfers via blockchain.
Hidden Road (now Ripple Prime), acquired for $1.25 billion, gave the company control of a massive institutional network that handles over $3 trillion annually in forex, cryptocurrency, derivatives, and fixed-income securities. The company’s stablecoin, RLUSD, can now be used as collateral within Ripple Prime, offering institutions leverage, liquidity, and yield. Rail, acquired in August 2025 for $200 million, provides infrastructure capable of high-frequency international stablecoin payments, surpassing banking in certain circumstances.
According to the analyst, when these pieces are combined, it becomes clearer how Ripple’s new financial model works. For example, if a multinational company identifies $50 million in unused funds at a European subsidiary through GTreasury, it can convert that money into a stablecoin through Rail and move it within minutes.
Compared to traditional banking, cost savings of 60 to 90 percent can be achieved. Funds are then invested in yield-generating products on Ripple Prime and can be instantly withdrawn when needed thanks to Metaco’s infrastructure. This entire process is conducted through a single interface, enabling both traditional finance and digital asset infrastructures to work together.
According to Avery, the fact that Ripple’s stablecoin, RLUSD, is fully backed by US dollars and its reserves are held by BNY Mellon creates a significant security element for large corporations. Multinational corporations stand out as the institutions most in need of such a hybrid model due to their currency risks, complex cash flows, and high volumes of international transfers. The periods where money “lays in transit” or “locks up” in traditional systems are virtually eliminated thanks to the company’s infrastructure.
Max Avery argues that Ripple is no longer a blockchain startup, noting that it invested over $2.7 billion in this strategy alone by 2025. According to the analyst, the company is evolving into a financial infrastructure provider that is “at the heart of how major companies manage money around the world.”
*This is not investment advice.
