Traditional banks have invested more than $ 100 billion in Blockchain since 2020, according to a recent report backed by Ripple that states that digital assets are becoming the main current.
This figure comes from “Banking on digital assets”, a joint study of Ripple, CB Insights and the United Kingdom Blockchain Technology Center (United Kingdom TCB)which analyzed more than 10,000 Blockchain agreements and survey more than 1,800 global finance leaders. According to the findings, the main banks are increasing investments in custody, tokenization and payment infrastructure, despite regulatory uncertainty and market volatility.
The report estimates that more than $ 100 billion have been invested in blockchain initiatives and digital assets worldwide between 2020 and 2024. It also found that 90% of the financial leaders surveyed believe that these technologies will have a significant or massive impact on finances in the next three years.
From 2020 to 2024, traditional financial institutions participated in 345 blockchain agreements worldwide, according to the report. The infrastructure related to payment attracted the greatest participation, followed by cryptographic custody, token and currencies in the chain. Approximately 25% of the investments focused on infrastructure suppliers that promote blockchain settlement and asset issuance rails.
More than 90% of finance executives surveyed by Ripple believe that Blockchain and digital assets will have a “significant” or “massive or” massive “impact on finance by 2028. Among the bank respondents, 65% said they are actively exploring the custody of digital assets, with more than half citing nausea and active of the real values tokens as priorities.
The cited examples include the Goldman Gs Dap gold tokchain liquidation tool and SBI’s work on digital currency resistant to quantum amount. Even so, most respondents say that consumer -oriented digital assets are not the immediate approach: less than 20% of banks reported that they offered trade wallets or cryptocurrency retailers.
The report frames change as more infrastructural than speculative. The institutions are investing largely in blockchain to modernize cross -border payments, rationalize the management of the general balance and reduce dependence on the inherited rails. Ripple, which provides Blockchain business grade solutions for banks, positioned the findings as evidence that “real -world asset token is entering the implementation phase.”
Even when regulatory clarity is left behind in many jurisdictions, more than two thirds of the banks surveyed say they hope to launch a digital asset initiative in the next three years. These efforts can vary from piloting the tokenized links to the construction of interoperable settlement layers for CBDC and private stables.
Despite recent setbacks in cryptographic markets, Ripple’s report argues that capital formation is accelerating, not withdrawing. He points out that Blockchain’s investment of traditional finance reached a maximum after FTX in the first quarter of 2024, and that emerging markets, including EAA, India and Singapore, are promoting adoption faster than the United States and Europe.
For Blockchain companies and infrastructure suppliers, the message is clear: the next institutional adoption wave will not depend on pump cycles or retail mania, but in silently transforming the pipes of global finances.
