A Ripple survey released Thursday found 72% of more than 1,000 global finance leaders believe companies must offer digital asset solutions to remain competitive. Stablecoins emerged as the leading use case, with 74% of respondents saying stablecoins can improve cash flow and free up trapped capital.
The report polled roughly 1,000 finance firms worldwide — including banks, asset managers, fintechs and corporates — on adoption, stablecoins, tokenization and custody priorities. Its results indicate many firms are no longer debating whether to engage with digital assets but are focused on how to buy, build or partner to create the necessary infrastructure.
Ripple attributes the shift to changing regulation, growing interest from large banks, greater use of fintech services and the rise of stablecoins.
Stablecoins top the survey’s digital asset use cases
Respondents showed the strongest interest in stablecoins, which institutions increasingly view as tools for treasury management rather than just payment rails. The survey also suggests fintechs are leading adoption: about 47% of fintech respondents plan to build their own digital asset solutions, compared with 14% of corporates. Meanwhile, 74% of corporates said they intend to work with external providers.
Banks and asset managers prioritize digital asset custody
The survey found rising interest in tokenization and strong emphasis on custody. Among those evaluating tokenization partners, 89% cited secure storage as a top concern; token lifecycle management and primary distribution were priorities for 82% and 80%, respectively. Bank respondents showed particularly strong demand for advisory support, with 85% highlighting pre-issuance structuring as important versus 76% of asset managers.
When selecting infrastructure partners, security certifications such as ISO and SOC II were almost universally important, noted by 97% of respondents.
Ripple summarized the findings by saying digital assets are no longer optional for most finance leaders: institutions are focused on how to build with digital assets and who to build with.
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