Ripple survey: stablecoins are evolving from niche payments tech into a mainstream treasury tool
A new survey from fintech firm Ripple of more than 1,000 global finance leaders suggests digital assets are moving rapidly from experiment to enterprise-grade finance. Seven in 10 respondents said finance teams must offer some kind of digital‑asset solution just to remain competitive — a clear signal that the industry views the “digital asset revolution” as immediate and unavoidable.
Stablecoins stand out as the most convincing use case. Seventy‑four percent of finance leaders said stablecoins can improve cash‑flow efficiency and unlock working capital, positioning these fiat‑pegged tokens less as novelty payment rails and more as practical treasury instruments.
Fintechs are out in front on adoption. A larger share of fintech companies are already using digital assets for treasury and payments than banks or corporates. Roughly 31% use stablecoins to collect payments on behalf of customers, while 29% accept stablecoins directly. Many fintechs lean on digital‑asset custodians and infrastructure providers today, though nearly half (47%) say they want to build proprietary solutions.
Banks and asset managers are also moving toward tokenization—but they're looking for partners. Among organizations exploring tokenization, 89% prioritized secure storage and custody as their first concern. Banks placed particular emphasis on token management (82%), while asset managers were more focused on distribution (80%).
Security and compliance are table stakes: 97% of respondents flagged certifications like ISO and SOC 2 as critical, alongside strong operational support and industry‑specific experience.
The takeaway: digital assets — and stablecoins in particular — are fast becoming a core element of corporate treasury strategy. The infrastructure choices firms make now around custody, compliance and token management will likely determine who gains a competitive edge as this transition accelerates.
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