Traditional banks have invested more than $ 100 billion in the blockchain since 2020, according to a recent report by undulations, saying that digital assets are taking place.
This figure comes from “Banking on Digital Assets”, a joint study by Ripple, CB Insights and the British Center for Blockchain Technologies (UK CBT)who analyzed more than 10,000 blockchain agreements and interviewed more than 1,800 leaders in global finance. According to results, large banks increase investments in the custody, tokenization and payment infrastructure – despite regulatory uncertainty and market volatility.
The report estimates that more than $ 100 billion has been invested in blockchain and digital assets on a global scale between 2020 and 2024. It also revealed that 90% of financial managers interviewed think that these technologies will have a significant or massive impact on finance over the next three years.
From 2020 to 2024, traditional financial institutions participated in 345 blockchain agreements worldwide, according to the report. The infrastructure linked to payments has led to the largest part, followed by police custody, tokenization and chain currencies. About 25% of investments focused on infrastructure providers supplying blockchain regulations and asset emission rails.
More 90% of the financial leaders interviewed by Ripple believe that blockchain and digital assets will have a “significant” or “massive” impact on finance by 2028. Among the banking respondents, 65% said they were actively exploring the custody of digital assets, with more than half of the stable and active assets in the world.
The examples cited include the HSBC tokenized gold platform, the Goldman Sachs GS DAP Blockchain Colony Tool and SBI work on quantum-resistant digital currency. However, most respondents say that digital assets oriented to consumers are not the immediate objective – less than 20% of banks said they had an exchange of crypto or retail portfolios.
The report supervises change as more infrastructure than speculative. Institutions largely invest in blockchain to modernize cross -border payments, rationalize balance sheet management and reduce dependence on inherited rails. Ripple, which provides business quality blockchain solutions for banks, has positioned the results as proof that “the tokenization of real assets enters the implementation phase”.
Even if the regulatory clarity is late in many jurisdictions, more than two thirds of the banks questioned say they expect to launch a digital asset initiative in the next three years. These efforts can range from the management of token obligations to the construction of interoperable settlement layers for CBDC and private stables.
Despite the recent setbacks on the cryptographic markets, Ripple’s report maintains that capital training is accelerating, not retired. He notes that the Investment in Blockchain of traditional finance reached a post -FTX summit in the first quarter of 2024, and that emerging markets – including water, India and Singapore – lead adoption faster than the United States and Europe.
For blockchain companies and infrastructure providers, the message is clear: the next wave of institutional adoption will not depend on media threshing cycles or retail mania, but on the quietly transformation of world finance pipes.
