Traditional banks have invested more than $ 100 billion in blockchain since 2020, according to a ripp-supported recently Report Claiming digital assets is going into the mainstream.
This figure comes from “banking on digital assets”, a joint study by Ripple, CB Insights and UK Center for Blockchain Technologies (UK CBT)Which analyzed more than 10,000 blockchain deals and surveyed over 1,800 global finance leaders. According to the findings, the major bank regulators are investing in custody, tokens, and payment infrastructure despite the regulatory uncertainty and market instability.
The report estimates that between 2020 and 2024, more than $ 100 billion has been invested in blockchain and digital asset initiatives globally. It was also found that 90% of surveyed finance leaders believe that these techniques would have significant or large -scale impact on finance within the next three years.
From 2020 to 2024, traditional financial institutions participated in 345 blockchain deals globally, stated in the report. The infrastructure-related infrastructure attracted the largest part, followed by crypto detention, tokenification and on-chain foreign currency. Around 25% of investment focuses on infrastructure providers who power the blockchain settlement and asset issuing rails.
More than 90% of finance officials surveyed by Ripple believe that blockchain and digital assets will have either “significant” or “massive” effects on finance by 2028. Among the bank respondents, 65% said that they are actively discovering digital asset custody, cited more than half of stabilcoins and tokens of real-war property as top priorities.
Examples include HSBC token gold platform, Goldman Sachs’s blockchain Settlement Tool GS DAP, and SBI work on quantum-resistant digital currency. Nevertheless, most of the respondents say that consumer-affected digital assets are not immediately focusing-less than 20% banks reported to offer crypto trading or retail wallets.
The report frames the shift as a more infrastructure than speculative. Institutions are investing in blockchain to a large extent to modernize the border payments, the balance sheet management can be streamlined, and the dependence on the heritage rail can be reduced. Ripple, which provides the enterprise-grade blockchain solution for banks, deployed the conclusions as evidence of the fact that “the real-world property is entering the token implementation phase.”
Even regulatory clarity in many courts lags behind, more than two-thirds of surveyed banks say they expect a digital asset initiative within the next three years. Those efforts can lead to the construction of interofforable settlement layers for CBDC and private stabecrims from piloting token bonds.
Despite the recent failures in the Crypto markets, Ripple’s report argued that capital construction is accelerating, not backing down. It notes that blockchain investment from traditional finance hit a post-FTX high in Q1 2024, and that UAE, India and Singapore are adopting rapid adoption than emerging market-US and Europe.
For blockchain firms and infrastructure providers, the message is clear: the next wave of institutional adoption will not rest on the propagation cycle or retail frenzy, but quietly when changing the pipes of global finance.
