Insights from Ripple’s Comprehensive Global Finance Survey
Ripple recently unveiled the results of an extensive global survey involving over 1,000 financial industry leaders. This study, which was conducted in early 2026, concludes that the integration of digital assets is gaining significant momentum across various sectors, including banking, asset management, fintech, and corporate treasuries. The findings highlight the increasing adoption of cryptocurrencies, with stablecoins and tokenization emerging as prominent use cases.
Fintechs Leading the Charge in Cryptocurrency Utilization
The survey conducted by Ripple indicates that a substantial 72% of participants believe that offering digital asset solutions is crucial for financial leaders to maintain a competitive edge. Stablecoins, in particular, have garnered considerable interest due to their potential to enhance cash-flow efficiency and unlock working capital, while also facilitating quicker settlements—benefits that are seen as crucial differentiators by firms.
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Fintech companies have distinguished themselves as pioneers in this domain. Ripple’s findings reveal that fintechs are more inclined than traditional banks and corporations to adopt digital assets for treasury operations and payments. They are also more proactive in launching customer-oriented crypto wallets. Specifically, 31% of fintech respondents are using stablecoins for collecting customer payments, and 29% directly accept payments in stablecoins. Additionally, a similar proportion relies on third-party custodians or infrastructure providers for asset security.
Furthermore, fintechs exhibit a stronger tendency towards developing proprietary solutions, with 47% favoring in-house development, whereas 74% of corporations prefer to collaborate with external partners for implementation.
The Shift Towards Tokenized Assets and Stablecoins
The survey also highlights a growing interest among banks and asset managers in tokenizing financial assets. The majority of institutions evaluating tokenization strategies prioritize custody solutions, with 89% ranking digital asset storage and custody as a top concern. Token servicing and lifecycle management are also highly prioritized by banks (82%), while asset managers emphasize primary distribution (80%). Advisory services are equally important, with 85% of banks valuing pre-issuance structuring consultancy, compared to 76% of asset managers.
When selecting partners, respondents prioritize regulatory clarity (40%), security and safekeeping (37%), compliance capabilities (30%), and price volatility management (29%). Security certifications and operational support are nearly universal requirements, with 97% of participants considering certifications like ISO and SOC II as highly important.
Post-integration technical support is also a critical factor, with 88% of respondents expressing high expectations for operational assistance. Furthermore, deep industry experience (80%) and financial robustness (79%) are important criteria for institutions vetting infrastructure partners.
The survey also reveals a practical preference among institutions exploring stablecoin collections or payments: 57% prefer partners that provide integrated custody, orchestration, and compliance, allowing the institution to avoid holding stablecoin balances directly.
Ripple characterizes these findings as an initial glimpse into the broader market’s alignment with digital assets. “This early preview of Ripple’s 2026 survey reveals a market moving with greater alignment and intention,” the company stated.
Market Movements and Ripple’s Position
In related market news, XRP’s price was observed testing the $1.4 support level as of Thursday. While Bitcoin (BTC) and Ethereum (ETH) experienced 3% declines during the same period, XRP, the cryptocurrency associated with Ripple, was trading at $1.43 at the time of writing, reflecting a minor 0.7% correction over the past 24 hours.
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