Ripple Expands GSmart with AI Agents, Bringing Treasury-Native AI to Corporate Finance
Ripple has announced the expansion of its corporate treasury platform, GSmart, with the integration of AI agents designed to identify risks, recommend financial actions, and explain the policies behind them. This move marks a significant step forward in the development of treasury-native AI, a technology specifically tailored for the controls used by corporate finance departments.
The expansion of GSmart's capabilities arrives as analyst Egrag Crypto points to historical cycle data that could theoretically place XRP near $13 during another major market advance. While the connection to XRP stems from the broader infrastructure underlying Ripple Treasury, the announcement itself does not directly impact the token's price. However, the expansion of Ripple's corporate treasury platform could make crypto more visible within day-to-day corporate treasury operations.
Key Features of the AI-Powered GSmart Expansion
The new technology, described as "treasury-native AI," is designed to work in conjunction with conventional calculation engines, which remain responsible for financial calculations. The AI interprets policies and explains recommendations, providing employees with a record of why the system reached its conclusion. The agent must then wait for a person to approve the action before anything is executed.
The expansion also introduces two new features: Knowledge Studio and Analytics Studio. Knowledge Studio allows companies to define the policies and controls governing the AI's behavior, while Analytics Studio includes Ask GSmart, a conversational assistant that enables treasury teams to generate insights from their financial data.
Background on Ripple's Corporate Treasury Platform
Ripple entered the corporate treasury market through its acquisition of GTreasury in October 2025, a deal worth $1 billion. The company subsequently launched Digital Asset Accounts and Unified Treasury in April 2026, bringing native digital-asset management into the platform. These features allow finance teams to view and manage XRP and Ripple USD alongside their conventional bank balances.
The integration of GSmart's AI now runs on a platform capable of managing both conventional cash and assets such as XRP and RLUSD. This could make crypto more visible within day-to-day corporate treasury operations, as companies increasingly look to incorporate digital assets into their financial management.
Analyst's Forecast: XRP's Path to $13
Egrag Crypto has published a separate forecast based on XRP's previous market cycles. According to analysis, XRP's three previous major expansions produced gains of approximately 2,405%, 1,002%, and 1,250%. Averaging these surges yields a projected expansion of roughly 1,552%. However, Egrag said he favors the "geometric mean," which yields an average increase of around 1,444%.
Applied from the analyst's designated "Alpha Base," this calculation produces a hypothetical XRP target near $13. "No fantasy numbers. No random targets. Just Math," Egrag wrote. The extreme valuation assumes that XRP will reproduce the scale of its previous bull-market expansions — despite changes in its market capitalization and broader economic conditions.
Implications and What to Watch Next
While the expansion of GSmart's AI capabilities does not directly impact XRP's price, it could have significant implications for the token's visibility within corporate treasury operations. As companies increasingly look to incorporate digital assets into their financial management, the integration of AI-powered treasury management could make crypto more accessible and mainstream.
The analyst's forecast, while speculative, highlights the potential for XRP to experience significant gains in the event of another major market advance. However, it is essential to note that this forecast is based on historical cycle data and should not be taken as investment advice.
As the market continues to evolve, it will be essential to monitor Ripple's progress in expanding its corporate treasury platform and the impact of AI-powered treasury management on the adoption of digital assets.
