Ripple and CB Insights' report reveals that traditional banks have invested over $100 billion in blockchain since 2020, despite regulatory uncertainty, signaling a shift towards modernization.

The increase in investment underscores the transformative financial potential of blockchain, with 90% predicting it will have a significant impact. Major banks like JPMorgan and Citigroup are leading these efforts.

Traditional banks lead in investment and innovation in Blockchain technology.

According to Ripple's report, major banks around the world, including Citigroup and JPMorgan, have invested over $100 billion in blockchain since 2020. This trend highlights the increasing acceptance of digital assets in traditional finance. Despite market volatility, banks are ramping up investments in blockchain initiatives.

The report, published by Ripple, CB Insights, and the UK Blockchain Technology Centre, shows that major financial institutions are significantly investing in blockchain. The report highlights the adoption of payment infrastructure, custody services, and tokenization, with 90% of surveyed financial leaders predicting this technology will have a significant impact on finance within three years.

The Ripple team notes, "Banks and financial institutions are no longer considering the impact of [blockchain] but are instead integrating this technology as a foundational component of modern finance."

Historical context, price data, and expert analysis

Did you know? Despite past volatility, stablecoin transactions reached $700 billion per month in 2025, thanks to adoption by institutions.

Ethereum (ETH) is trading at $3,536.30, with a market cap of over $426.87 billion and a 24-hour trading volume down 30.46% to $21.26 billion as of August 4, 2025. According to CoinMarketCap, ETH has seen a 40.60% increase over 30 days, reflecting ongoing blockchain adoption.

Experts from the research team suggest that blockchain investment will drive financial stability as financial institutions embrace digital assets. Legal frameworks are likely to enable smoother integration, further promoting technological advancements and fostering a robust financial ecosystem.