Ripple released findings from a global survey of over 1,000 financial leaders showing that 72% of financial executives believe digital asset solutions are essential to remain competitive, signaling accelerating institutional demand for crypto infrastructure.
The survey, which included bank executives, asset managers, fintech companies, and corporate treasurers worldwide, found strong consensus on stablecoin utility: 74% of respondents said stablecoins can improve cash flow efficiency and unlock frozen working capital. Fintech companies are leading adoption, with 31% acting as intermediaries accepting stablecoin payments for clients and 29% accepting stablecoins directly as payment for their own services. However, approaches to implementation differ sharply—47% of fintechs prefer building proprietary solutions, while 74% of corporations plan to work with external partners.
Infrastructure and compliance concerns dominate institutional priorities. Among companies evaluating asset tokenization, 89% cited custody and security of digital assets as their primary concern, while 85% of banks emphasized the importance of advisory support during token structure design. When selecting infrastructure providers, 57% of stablecoin payment participants want integrated storage, operations management, and compliance services, and 71% of corporations prefer single-provider solutions for all digital asset needs. Security certifications such as ISO and SOC II were rated important or very important by 97% of respondents.
Market participants identified regulatory uncertainty as the dominant obstacle, with 40% citing regulatory ambiguity as their primary concern, followed by security risks (37%), compliance complexity (30%), and price volatility (29%). The findings underscore how institutional adoption hinges less on technology acceptance and more on regulatory clarity and custodial infrastructure maturity.