The change is undeniable: traditional finance makes a decisive movement in the space of digital assets. While the blockchain unlocks cheaper, faster and more accessible services, and opens doors to the new cases of finance use, adoption and demand for institutional blockchain increases quickly.
Stablecoin transaction volumes Reached $ 700 billion a month at the start of 2025, and the Boston consulting group projects nearly 19 t $ tokenized assets by 2033. Ripple’s own research have found that 90% of world financial leaders expect the blockchain to have a significant or massive impact on finances over the next three years.
The growing adoption is fueled by the proven advantages of the blockchain: almost instantable regulations, low-cost transactions, 24/7 availability, increased transparency. Banks and financial institutions no longer deliberate its impact, but rather integrated technology as a fundamental component of modern finance.
Ripple recently joined CB Insights and the British center for blockchain technologies (UKCBT) To explore how traditional financial institutions engage with blockchain – priority use cases and where investments flow, to the evolution of the wider ecosystem. The report, “Bank on digital assets: how traditional finances invest in blockchain”Discover how, where and why banks invest in blockchain technology and digital asset applications.
Blockchain in finance
Basically, blockchain is fundamental technology that feeds digital assets as cryptocurrency,, stableAnd Tokenized active assets (RWAS)allowing the value to move as the information moves today – surely, in a transparent and without central authority.
Take cross -border paymentsFor example: by reducing intermediaries associated with traditional payment rails, blockchain can considerably reduce the time and costs associated with the movement of money beyond borders. Transactions can be treated in a few seconds, not days, and paid 24/7/65, which blocks new levels of liquidity and market access for institutions and businesses.
With features such as automated compliance, intelligent contracts and integrated programmability, blockchain creates a more efficient and inclusive financial future which meets the needs of emerging and established markets.
Financial institutions also turn to blockchain to rationalize complex operations, reduce exposure to the risk of inherited infrastructure and allow new cases of use of digital assets such as the divided property of RWAs. And with recent innovations on Large xrp book—Automé des merchants (amms), a Authorized decentralized exchange (DEX)—The growing regulatory clarity, it has never been easier for financial institutions to engage with decentralized finance in a compatible and evolutionary manner.
Adoption of Blockchain in the bank
As the blockchain industry matures, banks make strategic bets by investing in companies that redefine Sight,, Rwa tokenizationand a broader digital asset infrastructure.
The report presents a complete analysis of investment and partnership activities of more than 8,000 blockchain companies and 1,800 banks over a period of five years, including direct investments, mergers and acquisitions and strategic partnerships.
CB insights data included in the report revealed that the banks participated in 33 mega-round financing offers linked to blockchain ($ 100 million +) between 2020-2024. Institutions such as JP Morgan Chase, Goldman Sachs and SBI Group were particularly active investors and participated in several financing series for companies developing a financial infrastructure based on blockchain.
The most important boxes of use included:
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institutional infrastructure linked to trade, jalitude and tokenization;
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Blockchain in world payments;
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and custody of digital assets.
This helps to paint a clearer image of how banks shape their long -term digital asset strategies thanks to targeted investments, and the inevitable impact that this will have on the large financing system.
Rules and the coming road for blockchain in financial services
The financial institutions put the work of the blockchain: portfolios, allowing cryptographic payments, offering childcare services, token operators and more. Because digital assets are no longer optional, investing in infrastructure, forging Fintech partnerships and offering new financial services has become necessary for the longevity of an institution.
Banks that pass from pilots to practice will strengthen their competitive role in the world economy with the support of advanced technology.
However, the financial infrastructure of the future will depend on Robust security,, regulatory clarity And shared standards – giving institutions a common language to integrate digital assets into existing systems and help regulators monitor activity on a large scale.
Francesco Pierangeli, deputy director of the UKCBT, explores these more detail subjects in the report, highlighting pivotal moments that have already shaped the blockchain ecosystem and what to expect in the future.
Ready to understand the whole scope of this transformation? Download the full report For an in -depth overview of how the banking sector ensures its future in the digital economy.
