Ripple Survey Finds 90% of Finance Leaders Expect Blockchain to Reshape Industry By 2027

Most finance leaders believe blockchain will improve speed, security and access in global financial systems.

Firms are using blockchain to cut costs and settle payments faster across borders in real time.

Tokenized assets and stablecoins are gaining use as institutions seek better tools for trading and payments.

A new global survey reveals that most financial leaders expect blockchain to transform the global financial system by 2027. Ripple, in partnership with the UK Centre for Blockchain Technologies and CB Insights, conducted the study. The report shows that 90% of respondents believe blockchain will become central to finance in the next three years.

This marks a shift in thinking among institutions. Blockchain is now viewed as essential for improving transparency, speed, and cost efficiency. Many financial firms are already planning to integrate blockchain to fix slow and outdated systems.

Firms Aim to Unlock Efficiency and Speed

Respondents said blockchain could allow near-instant settlements and reduce cross-border transaction costs. Many also value its ability to operate around the clock, unlike traditional banking infrastructure. These benefits have increased efforts to build or adopt blockchain-based financial services.

The survey highlights a sharp rise in investment. Firms are funding blockchain research and development, especially in custody, staking, and programmable finance tools. Tokenization has become a major focus. It allows companies to digitize real-world assets and make them easier to trade or share.

Tokenized Assets and Stablecoins Gain Traction

Tokenization is expanding access to financial markets and creating liquidity for once illiquid assets. This includes real estate, bonds, and other securities. Analysts predict tokenized asset markets could reach $19 trillion by 2033.

At the same time, stablecoins are becoming a powerful tool. Monthly stablecoin transactions now exceed $700 billion. These volumes rival those of major payment processors such as Visa. Stablecoins offer faster settlement and global access, which appeals to both institutions and users.

Major financial players are increasing their involvement. Over 33 blockchain deals above $100 million took place between 2020 and 2024. Firms such as JPMorgan, Goldman Sachs, and SBI Group are among those leading blockchain adoption.

Regional Interest Driven by Need and Regulation

The Middle East, North Africa, and Latin America regions are showing strong blockchain adoption potential. Leaders in these areas are expecting faster rollout of digital assets, including CBDCs. Many point to local regulatory support and pressing financial needs as drivers.

Respondents said cross-border payments are the top use case for blockchain. Other high-priority areas include institutional trading infrastructure and asset tokenization. Many also noted interest in programmable features such as smart contracts and automated compliance.

There are challenges despite growth in momentum. The existing systems are still experiencing regulatory clarity and integration hurdles. Energy efficiency also remains under review.