[Digital Today reporter Jinju Hong] Ripple has unveiled a goal of converting about 30 percent of annual payment volume on its corporate treasury management platform, Ripple Treasury, to an on-chain method within the next five years. The move is seen as a strategy to bring blockchain-based payments into existing corporate financial systems in earnest.

On May 6 local time, blockchain media outlet The Crypto Basic reported that Ripple CEO Brad Garlinghouse (브래드 갈링하우스) announced the plan at the Consensus 2026 event held in Miami, the United States.

Garlinghouse also explained Ripple’s mergers and acquisitions strategy and the direction of its corporate payments business. He said many companies in the cryptocurrency industry have focused on acquiring firms within the industry, but Ripple chose a strategy of bringing in companies outside the digital asset industry to expand into real-world finance. A key example he cited was Ripple Treasury. The service is a platform Ripple reorganised after acquiring treasury management software company GTreasury.

Garlinghouse said Ripple Treasury processed about $13 trillion in payments last year. He added that, so far, there have been virtually no stablecoin or digital-asset-based transactions in those payment flows. He stressed that this instead means there is a big opportunity to shift to blockchain payments.

Ripple also said it would not force existing customers into an abrupt transition. Garlinghouse said it would support a phased shift so companies can choose a more efficient payment method without replacing their entire existing systems.

Ripple Treasury is known to be used by Fortune 50 companies, including American Airlines, and many mid-sized global companies. These companies use the platform to handle banking operations across multiple countries and manage liquidity through a single dashboard.

Ripple’s key competitive strength, it says, is that it does not require a complete replacement of existing financial infrastructure. Garlinghouse cited the example of American Airlines paying for jet fuel in Peruvian sol. Under the existing approach, it can take several days and costs can be high as the process goes through a single correspondent bank, but using Ripple Treasury can offer a lower-cost payment option at near real-time speed, he said.

He said the goal is to let corporate finance officers choose the most efficient payment method within the interface without giving up their existing systems.

The strategy follows Ripple’s large M&A deal. Ripple announced in October 2025 it would acquire GTreasury for about $1 billion, and the deal was completed later that year. Based in Chicago, GTreasury is a corporate treasury management software company with more than 40 years of history and has secured more than 1,000 clients across 160 countries worldwide.

Ripple later unveiled Ripple Treasury in early 2026 by combining its digital asset technology with the GTreasury system. The platform is designed to manage not only existing cash management but also stablecoins such as RLUSD and tokenised assets.

The industry sees Ripple’s strategy as focusing on embedding blockchain-based payments into existing corporate treasury systems rather than simply expanding cryptocurrency transactions. Attention is also focused on the potential for change in the corporate finance market, as Ripple seeks to spread on-chain payments by using a corporate customer base that already has large-scale payment flows.