Security and trust are now the deal-makers in institutional crypto finance — not just the tech. A new Ripple survey of more than 1,000 global finance executives, released Thursday, found that 97% of institutions consider formal security certifications like ISO and SOC II non-negotiable when choosing tokenization partners. The message is clear: institutions want trust-first solutions as they move deeper into digital assets.
Key findings
- 72% of respondents say offering digital asset solutions is essential to stay competitive.
- 74% view stablecoins as a cash-management tool that can free up idle capital — not merely a payments rail.
- 89% flagged secure asset storage as a top requirement when evaluating tokenization partners; token lifecycle management (82%) and primary distribution (80%) also ranked highly.
Who’s building vs. partnering
The survey spanned banks, asset managers, fintechs and corporate firms across major markets — and revealed sharply different strategies by firm type:
- Fintechs move fastest: ~47% plan to develop digital-asset infrastructure in-house.
- Corporates favor outsourcing: nearly 75% intend to work with external providers.
- Banks and asset managers sit in the middle, seeking experienced partners who can both supply technology and shape strategy.
Advice and advisory demand
Institutions aren’t just buying software — they want guidance. Pre-issuance structuring support was especially prized by banks (85%) and by asset managers (76%), underscoring demand for advisory services alongside custody and tooling.
Why this matters
Ripple credits the rising institutional focus to shifting regulation, growing engagement from major banks, broader fintech adoption and the maturation of stablecoins. The industry’s internal debate, the survey suggests, has moved beyond “if” to “how” and “with whom” — a sign that established financial players are treating crypto as a strategic, operational priority rather than an experimental add-on.
Image: Pexels. Chart: TradingView.
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