World banks have paid capital in 345 initiatives related to blockchain since 2020, reporting a decisive change towards the treatment of blockchain as a fundamental financial infrastructure rather than a speculative border, according to a recent Ripple report (1). This investment trend highlights increasing institutional trust in the long -term usefulness of blockchain through the tokenization of assets, cross -border payments and digital trading platforms.
The main financial players such as JP Morgan, Goldman Sachs and the SBI group of Japan were at the forefront of start -up funding, targeting in particular seeds and series A. These investments reflect a strategic rather than short -term speculative of blockchain innovation (1). Among the most notable offers, there was the Cloudwalk in Brazil, which obtained more than $ 750 million in Banco Itaú, BTG Pactual and Banco Safra. Initially focused on interior payment solutions, the company has since extended to the American market (1).
The German fintech Solaris also attracted significant investments, raising more than $ 100 million in 2024 with SBI Group as a key participant. The company operates a regulated digital asset trading location and launched a security token platform before SBI acquired majority participation to strengthen its European presence (1). Another major player, NYDIG, collected $ 1 billion in 2021 with the support of Morgan Stanley and Massmutual, but ceased operations in 2024. In response, Morgan Stanley pivoted to offer Bitcoin ETF services thanks to partnerships with Blackrock and Fidelity (1).
Systemically important banks (G-SIBS) have adopted a more measured approach, participating in 106 transactions linked to blockchain since 2020, including 14 large-scale financing cycles. Rather than acquiring businesses, these banks have favored collaborative models that allow strategic flexibility and rapid adaptation (1). Their investments are generally focused on institutional quality solutions, including the F NEW for interbank payments, partial for cross -border establishments and Talos for institutional trade (1).
In particular, HSBC was the pioneer of the use of quantum resistant blockchain technology in 2024 with the launch of sound token in Hong Kong. The product allows a fractional property of physical gold through a regulated blockchain platform, marking a key step towards the dominant adoption of token assets (1). The use by the bank of post-health cryptography and the generation of quantum random numbers reflects an increasing institutional concern concerning future threats of quantum computers (1).
The wider trend suggests that the blockchain goes from niche technology to a central component of financial infrastructure. Regional banks, although less likely to develop proprietary systems, are increasingly forming fintech partnerships or join shared infrastructure projects. A survey in 2022 revealed that 11% of US community banks planned to offer cryptocurrency services, and this number should increase with the improvement of regulatory clarity and competitive pressures (1).
Despite the slowdown in the 2022 market and the fallout from the collapse of the FTX, banking activity in the blockchain space has rebounded in 2024. Although the number of agreements has decreased, the total value of the investment has increased, suggesting a change to greater and more strategic commitments (1).
Tokenization – Convert the active active people to digital tokens on the blockchain – is gaining ground for its ability to improve liquidity and to widen access to various investment opportunities. At the same time, institutional actors are increasingly favoring quantum security, recognizing the potential risks posed by emerging calculation technologies (1).
The supported investment model shows that traditional financial institutions do not simply experiment with blockchain but actively integrate it into their long -term strategies. As competition intensifies and regulatory managers become more defined, more banks are likely to accelerate their digital asset initiatives to remain competitive in the development of the financial landscape.
Source: (1) Ripple report: World banks invest in 345 blockchain projects as digital assets become general public (
