Ripple’s acquisition of GTreasury is seen as one of the most important steps in a larger financial transformation strategy that the company has been quietly building throughout 2025, according to analyst Max Avery.
Avery described Ripple’s move as “the next step in the takeover of traditional financial infrastructure,” noting it is much more than just a technology acquisition. GTreasury is a financial platform integrated with more than 13,000 banks and used by world-leading companies such as Volvo and Subway to manage the financial operations of companies operating in 160 countries and process $12.5 trillion in payments annually.
Ripple’s inclusion of a reliable, compliant and integrated system at this scale means it has direct access to the world of corporate finance.
The fundamental problem that Avery highlights is the inefficiency that multinational corporations face in managing their finances. It is impossible for a CFO to monitor cash flow in dozens of countries in real time. Wire transfers from the US to Asia can take 3-5 days, and transfer fees can account for 3-7% of the total amount. Additionally, funds move between banks through this process, making them difficult to track.
Blockchain, on the other hand, provides a low-cost infrastructure that can be deployed 24/7 in seconds. However, asking Fortune 500 companies to build their entire infrastructure on blockchain is unrealistic, so Ripple’s acquisition of GTreasury fills a crucial gap. GTreasury is already integrated into the systems of global organizations, giving Ripple the opportunity to integrate blockchain into existing workflows without risk.
This integration creates a hybrid model that expands traditional banking options rather than eliminating them. GTreasury will continue to connect to traditional payment networks such as SWIFT and ACH while also providing access to Ripple’s blockchain infrastructure. This will allow businesses to use traditional systems for everyday payments and process urgent international remittances in seconds via blockchain. Having multiple payment gateways within the same interface allows for seamless and rapid transformation.
Avery noted that the GTreasury acquisition would be incomplete when evaluated in isolation, and highlighted Ripple’s other strategic moves throughout 2025. Metaco, which the company acquired for $250 million, provides banks and institutions with secure digital asset storage infrastructure, a prerequisite for the transfer of large amounts of value via blockchain.
The $1.25 billion acquisition of Hidden Road (now Ripple Prime) gave the company control of a vast network of institutions that handle more than $3 trillion annually in foreign exchange, cryptocurrencies, derivatives, and bonds. The company’s stablecoin RLUSD can now be used as collateral within Ripple Prime, providing leverage, liquidity, and yield to financial institutions. Acquired for $200 million in August 2025, Rail provides the infrastructure to enable high-frequency international stablecoin payments, outperforming banks in certain situations.
According to analysts, combining these factors provides a clearer picture of how Ripple’s new financial model will work. For example, if a multinational company identifies $50 million in unspent funds in its European subsidiary through GTreasury, it can convert that money into a stablecoin through Rail and move it within minutes.
Cost savings of 60-90% can be achieved compared to traditional banking. The funds are then invested in yield-producing products on Ripple Prime and can be withdrawn instantly when needed thanks to Metaco’s infrastructure. This entire process is performed through a single interface, allowing both traditional financial and digital asset infrastructures to work together.
According to Avery, the fact that Ripple’s stablecoin RLUSD is fully backed in US dollars and its reserves are held by BNY Mellon creates an important element of security for large companies. Multinational corporations stand out as the institutions most in need of such hybrid models due to currency risks, complex cash flows, and large volumes of international remittances. The company’s infrastructure virtually eliminates periods when funds are “in transit” or “locked up” in traditional systems.
Max Avery argued that Ripple is no longer a blockchain startup, pointing out that it has invested more than $2.7 billion in this strategy alone by 2025. Analysts say the company is evolving into a financial infrastructure provider that will become “central to how major companies around the world manage their money.”
*This is not investment advice.
