American Airlines, a major U.S. airline, said operating efficiency improved more than expected after it adopted Ripple's enterprise finance solution.

On April 21 local time, blockchain media outlet The Crypto Basic reported that American Airlines assessed that its finance operating efficiency exceeded expectations after adopting Ripple Treasury.

The airline said it integrated previously dispersed finance management tasks into a single platform, boosting cash visibility and automation. It said staff can focus more on other finance priorities instead of repetitive tasks.

The assessment was confirmed through comments by an internal finance executive at American Airlines. Ryan Millard (라이언 밀러드), head of global banking and treasury services at American Airlines, said the company improved its financial technology infrastructure through Ripple Treasury. He said the results of bringing all treasury management activities into one system were better than the team's initial expectations, and employees can spend more time on other priorities than on routine operational tasks.

Ripple Treasury is an enterprise treasury platform that was originally operated as GTreasury. Ripple acquired the company for $1 billion in October 2025, expanding its business into the enterprise treasury market. American Airlines had used the platform before the acquisition and continued using it after Ripple's acquisition, expanding its scope of use.

American Airlines operates flights to more than 350 destinations in over 60 countries worldwide. With aircraft operations and maintenance partners, contract structures and asset management terms intertwined in complex ways, its treasury needs are large. Previously, it used rigid software, spreadsheets and separate bank portals together, resulting in many repetitive tasks and constraints on control and scalability. Dependence on key personnel, audit burdens, foreign exchange exposure, limits in tracking cash and capital positions were also cited as problems.

As a result, American Airlines built a system to track and manage aircraft contracts, assets and operational information in one place based on Ripple Treasury's collateral management system. It secured real-time visibility by replacing previously separated systems and also added functions for cash management and forecasting, bank account management, debt tracking, letters of credit processing, short-term investments and foreign exchange risk management.

It also disclosed results from the adoption. American Airlines' global cash visibility rose to 99 from about 65, and the share of automated accounting tasks expanded to 90 from about 50. Automation cut up to 20 percent of finance team working time, creating room to deploy staff to higher-level work.

American Airlines was also named a finalist in the technology excellence category at the 29th Alexander Hamilton Awards by Treasury & Risk magazine in May last year. Its achievements in modernising finance operations also drew attention then.

Ripple Treasury is connected to about 13,000 banks worldwide and is also integrated with Goldman Sachs' Mosaic system. It provides real-time cash tracking with JPMorgan via APIs. The American Airlines case is seen as showing that Ripple is expanding customers in enterprise treasury infrastructure beyond cryptocurrency payments and remittances.