Mounting competitive pressure is pushing financial institutions toward digital asset adoption. Ripple published findings from a survey of more than 1,000 global finance leaders across banks, asset managers, fintechs, and corporates on March 19, 2026. The results assess trends across custody, tokenization, payments, and stablecoins.

Survey findings point to a shift from experimentation to implementation as institutions prioritize long-term positioning. Team Ripple wrote:

“This feeling of urgency — that the digital asset revolution is happening now — is shared across 72% of respondents who believe that finance leaders must offer a digital asset solution to remain competitive.”

Stablecoins emerged as a leading use case, with 74% of respondents associating them with improved cash-flow efficiency and the ability to unlock working capital, expanding their relevance beyond payments into treasury operations.

Meanwhile, fintech firms show deeper integration of digital assets across customer-facing and internal functions compared with traditional institutions and corporates. Data indicates 31% of fintechs use stablecoins to collect payments and 29% accept them directly, while 47% favor building proprietary infrastructure instead of outsourcing.

Corporates, by contrast, lean toward external support, with 74% planning to partner with providers, reflecting a preference to reduce operational complexity. Team Ripple stated: “Digital assets are quickly becoming a cornerstone of financial services, underpinned by progressive regulation, growing interest from Tier-1 banks, a steady consumer shift from banks to fintech providers, and booming stablecoin adoption.”

Additionally, custody infrastructure remains central as tokenization strategies expand among banks and asset managers evaluating deployment pathways. Among those assessing partners, 89% identified secure storage as a top requirement, while banks emphasized lifecycle servicing at 82% and asset managers prioritized primary distribution at 80%. Advisory support also carries weight, with 85% of banks and 76% of asset managers highlighting the importance of pre-issuance structuring, signaling demand for both technical systems and strategic guidance.

Finally, partner selection reflects heightened scrutiny of security, compliance, and integration capabilities as adoption scales. Slightly more than half of fintechs and financial institutions prefer unified platforms, while 71% of corporates favor consolidated providers to reduce vendor fragmentation. Security certifications rank highest at 97%, followed by post-integration support at 88%, industry expertise at 80%, and financial strength at 79%, alongside concerns around regulatory clarity, safekeeping, compliance, and volatility. Team Ripple concluded:

“The message is clear: infrastructure decisions made today will shape competitive positioning tomorrow.”

• Why are financial institutions accelerating digital asset adoption?
  Rising competitive pressure is forcing firms to integrate blockchain solutions to remain relevant.
• How important are stablecoins in financial operations?
  They are increasingly used for payments and treasury management to improve cash flow efficiency.
• What role does custody play in digital asset strategies?
  Secure storage and lifecycle servicing are now top priorities for institutions adopting tokenization.
• How are fintechs and corporates approaching infrastructure differently?
  Fintechs tend to build in-house systems while corporates prefer external providers.

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