Ripple has expanded GSmart, its AI tools built into Ripple Treasury, with new features for forecasting, managing liquidity, assessing risk, reconciliation, and reporting.

Ripple’s enterprise customers already use GSmart. The new features help finance teams use AI while still following company policies, approval processes, and audit requirements.

AI Works Within Treasury Rules

Ripple said GSmart helps solve a growing problem: companies are using more AI agents, but many lack strong rules to manage them.

Gartner expects the average Fortune 500 company could use more than 150,000 AI agents by 2028. Yet only 13% of organizations say they currently have enough governance for AI agents.

For treasury teams managing financial operations, Ripple says AI should provide useful recommendations without taking control away from people.

GSmart separates calculations from AI. Financial calculations are handled by fixed, reliable systems, while AI reviews company policies, spots patterns, and explains its recommendations.

Treasury teams still have the final say and must approve financial actions.

Renaat Ver Eecke, SVP of Ripple Treasury, said CFOs need to adopt AI while making sure financial decisions remain clear, controlled, and compliant. He added that GSmart follows each company’s treasury policies and provides transparent recommendations while keeping humans in control.

GSmart Adds AI Agents and Analytics

The expanded GSmart platform includes AI agents for forecasting, liquidity, risk, reconciliation, and reporting. Each AI agent monitors a specific task, recommends an action, explains which company policy supports it, and waits for human approval before taking action.

Ripple is also adding Knowledge Studio, which lets treasury teams set the policies and controls that guide how the AI works. Analytics Studio helps teams analyze treasury data and create AI-powered reports. Its Ask GSmart assistant lets users ask questions and get insights from their treasury data.

Existing Customers Are Already Using GSmart

Ripple said many of its enterprise customers are already using GSmart. About 60% of eligible customers use Risk Insights, which helps find unusual risks and policy violations.

Another 44% use Forecast Insights, which compares expected cash flow with actual cash flow to spot possible cash shortages. Ripple said GSmart is part of its plan to create one treasury platform for both traditional money and digital assets.

The new AI features add tools that help finance teams predict and manage their money. Ripple Treasury aims to let teams view, predict, move, and earn on cash and digital assets from one platform.

The XRP Ledger Foundation is working to add more traditional financial features to the XRP Ledger, according to CTO Denis Angell.

At Rare Evo, Angell spoke with Ray Fuentes about the foundation’s work, including the upcoming Lending Protocol, Single Asset Vaults, agentic payments, and other infrastructure projects.

“We are writing TradFi primitives into the XRP Ledger,” Angell said, highlighting the foundation’s direction for the network.

XRPL Adds More Traditional Finance Features

Angell said the XRP Ledger is a decentralized network where developers can build features for different needs. While it does not currently support general-purpose smart contracts, developers can propose changes that validators can vote on.

One major development is the Lending Protocol, which is already on the network and can be voted in. Angell said it will allow users to earn yield on their assets, something he believes the XRP Ledger has been missing.

Another key development is the Single Asset Vault, which Angell called his favorite project. He compared it to a traditional mutual fund. Users will be able to deposit their assets into a pool, which would then be invested. 

If the investments earn money, the returns would go back into the pool. Users can later withdraw their funds.

Angell said these developments show that the XRP Ledger is adding more traditional financial tools directly into the network, instead of relying only on smart contracts.

Token Payment Channels to Help AI Agents

The CTO also highlighted agentic payments as another area being developed on the XRP Ledger. The network is working on payment channels for tokens, not just XRP. This will allow for new ways to approve and complete payments.

Angell compared some of these features to how credit card payments are authorized. He said token payment channels will also be useful for AI agents, allowing them to make and complete payments on their own.

XRP Ledger Foundation Expands Infrastructure

Angell also talked about changes happening at the XRP Ledger Foundation. The foundation plans to distribute the xrpld software and host related files as it takes on more responsibility for the network’s infrastructure.

It is also improving its monitoring systems. These systems could collect validator logs when problems occur, such as a ledger halt. This would help the foundation understand what went wrong and respond faster.

The foundation is also reviewing how the network’s infrastructure is managed and considering whether it should run more of the infrastructure itself, including its own servers and data centers.

Vet Highlights “Deep Alpha”

After the interview, XRPL validator Vet described Angell’s comments as “deep deep Alpha” about the XRP Ledger and fintech. Vet also mentioned plans to create committees within the XRPL Foundation to help with more technical and ecosystem-related work.

Deep deep Alpha by Denis from the XRP Ledger Foundation regarding the XRPL and Fintech

Aside from that, XRPL Foundation Committees are coming, lots of technical and ecosystem work.

I didn't know he liked the Single Asset Vault so much btw and he's not Mickey B Fresh. https://t.co/QeBy3UEZzF

— Vet (@Vet_X0) September 11, 2026

The comments show that the foundation wants to expand the XRP Ledger beyond simple payments and add more financial features directly to the network. With lending, vaults, token payments, and AI-powered payments being developed, the XRPL will eventually support a much wider range of financial applications.

XRP may be approaching a technical confirmation that determines whether its recent consolidation develops into a larger rally toward $2.30.

Analyst Celal Kucuker has identified $1.38 as the level XRP needs to reclaim and hold to confirm what he describes as a “fake breakout.”

XRP Price Needs to Close Above $1.38

In a recent post on X, Kucuker said XRP must close above $1.38 today or tomorrow to confirm the setup. His chart shows XRP trading inside a large contracting triangle. The price is currently near the point where the descending resistance line and rising support line converge.

The chart places the key confirmation level around $1.37896, making the $1.38 area the immediate level to watch.

XRP is currently trading around $1.35, according to CoinMarketCap data. It is down about 2.2% over the past 24 hours and 6.5% over the last seven days.

The decline has come alongside weakness across the crypto market. Bitcoin fell below $77,000 yesterday and is down roughly 4.3% over the past week.

However, XRP’s monthly performance remains positive. The token is still up about 32% over the past month, compared with Bitcoin’s 21% gain. Much of those gains came during the explosive rally in late August, after which XRP has struggled to push through resistance.

The Way to $2.30

Kucuker’s setup suggests that reclaiming $1.38 would provide the confirmation XRP needs to move out of its current consolidation structure.

The $2.30 target would represent a 70% move from XRP’s current price near $1.35. However, the chart does not suggest that XRP would necessarily reach that level immediately.

In particular, the chart shows resistance at $1.513 and $1.70, which, if reclaimed, will set the foundation for higher targets in the $2 range.

Meanwhile, a failure to reclaim $1.38 could leave XRP inside the triangle and expose the token to another test of its lower trendline.

ChartNerd Sees Higher XRP Targets

In another post, ChartNerd told investors to “zoom out” when they start doubting whether XRP can reach higher prices. The analyst shared a chart showing that XRP’s current price pattern looks similar to patterns from previous market cycles.

ChartNerd described it as: “Same Structure: Different Cycles.”

The chart shows a large triangle that started forming after XRP’s 2018 peak and is now nearing its end. ChartNerd believes XRP will eventually break out of this long-term pattern.

Based on Fibonacci levels, the analyst sees possible targets around $8.33, $13.50, and $27. These levels roughly match the 1.272, 1.414, and 1.618 Fibonacci extensions.

ChartNerd also compared the current pattern to XRP’s price movement from 2014 to early 2017. During that period, XRP traded sideways for a long time before breaking higher and eventually reaching its previous all-time high.

Because of this, ChartNerd believes XRP’s current setup is part of a long-term market cycle, rather than just a short-term price move.

XRP price is at an important point as analysts watch to see if it can move back above key moving averages and end its recent downtrend. The coin is trading at $1.37 at press time, down 3% in the past 24 hours, according to CoinMarketCap.

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Ripple’s former Chief Technology Officer David Schwartz believes XRP will eventually overtake Bitcoin as the world’s largest cryptocurrency. He argued that this scenario would result from XRP growing faster than Bitcoin, not from BTC collapsing.

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Ripple CTO emeritus David Schwartz defended the XRP Ledger after analytics firm Bitquery found that just 793 accounts were responsible for 93.2% of the network’s transaction activity in August 2026. An XRP critic posted the findings on X, saying the accounts were “all bots and spammers” and that less than 1% of XRPL activity came from real human payments.

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XRP has entered a rare technical zone that has come before some of its biggest price moves, according to analyst ChartNerd. In a recent post, ChartNerd said XRP has traded below its weekly Gaussian Channel only a few times in the past 13 years.

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Charles Schwab’s family of funds has revealed that it holds more than $1 million in a spot XRP ETF. According to its latest SEC filing, Charles Schwab holds $1,011,417 worth of Grayscale XRP Trust ETF shares as collateral.

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XRP price is showing a bullish setup after reclaiming the $1.40 level, and analyst Nebraskangooner has identified $2.12 as the upside target. His chart shows an entry around $1.43, a stop level near $1.31, and a profit-taking target of $2.12.

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The amount of XRP an investor needs to rank among the top holders has fallen again. Roughly 2,120 XRP is now enough to place a wallet in the top 10% of XRP Ledger accounts.

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XRP is showing a bullish signal as its short-term moving average gets closer to its long-term moving average. The 50-day Simple Moving Average (SMA) is moving toward the 150-day SMA.

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Flare Networks co-founder Hugo Philion has responded to concerns about FXRP after Ripple engineer Neil Hartner raised questions about the security of blockchain bridges. Notably, the discussion followed a security incident involving Liquid Network’s Liquid BTC.

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XRP shows the potential for another major price surge based on past market cycles that delivered gains of 2,405%, 1,002%, and 1,250%. Based on these figures, the average gain was about 1,552%, while the geometric average came in at around 1,444%.

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XRP still has two major price waves to complete before the altcoin bear market ends, according to crypto market analyst RWA_Investor. In a recent post on X, the analyst shared an Elliott Wave chart showing XRP rising again before facing another major correction and entering a larger bullish phase.

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The value of stablecoins and tokenized assets on the XRP Ledger (XRPL) has grown about 43 times in just six quarters. According to Evernorth, the average value of these assets rose from $99 million in Q1 2025 to $4.26 billion in Q2 2026.

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XRP trading activity increased massively in August, with spot trading volume on top crypto exchanges like Binance reaching its highest level in six months. This shows that interest in XRP has picked up after a period of weaker activity.

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XRP price is getting ready for another big move higher after the recent drop, according to Elliott Wave analyst XForceGlobal. The analyst believes XRP will rise to between $3 and $4, after falling more than 20% from its recent high.

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Ripple CEO Brad Garlinghouse is again calling for the United States to become the world’s leading center for cryptocurrency. He said the goal is now closer than ever as the U.S.

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The XRP Ledger (XRPL) saw a major change in trading activity in the second quarter of 2026 alongside RLUSD. Trading became more concentrated among fewer accounts, while RLUSD balances on the network increased sharply, according to a report from Evernorth, the largest public XRP treasury company.

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Uphold’s U.S. president, Nancy Beaton, says XRP and the XRP Ledger (XRPL) are in a position to benefit as traditional finance moves onto blockchain technology.

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