Ripple survey: finance leaders say firms must adopt crypto — and they want turnkey partners
Ripple released a survey of more than 1,000 financial leaders that paints a clear message: institutions that don’t embrace crypto risk falling behind. The findings highlight broad institutional interest in stablecoins, tokenization and one-stop-shop crypto providers — and they underline why Ripple is positioning itself as infrastructure for that demand.
Key findings
- 72% of respondents say companies must offer a crypto solution to remain competitive.
- Stablecoins rank among the most popular use cases: 74% of finance leaders believe stablecoins can boost cash-flow efficiency, unlock trapped working capital and serve treasury-management needs.
- Fintechs are leading on in-house crypto development: 47% of fintechs are building their own solutions, versus just 14% of corporates. However, 74% of corporates plan to work with external partners that provide the desired capabilities.
- Banks are targeting tokenization and are selective about partners: 89% of banks evaluating tokenization partners say crypto capabilities and custody are top priorities.
What finance leaders want
Ripple summarizes the survey takeaway as straightforward: firms want more from crypto vendors — a comprehensive tech stack that covers payments, custody, trading and tokenization plus “a trusted provider to partner with now and in the future as strategies evolve.” In short, institutional buyers are favoring full-suite providers or close partnerships rather than piecemeal solutions.
Ripple’s positioning
Ripple already markets itself to this market: the company offers institutional payments, custody and trading services and has partnered with traditional finance firms to tokenize real-world assets on the XRP Ledger (XRPL). The survey’s findings underscoring demand for integrated solutions reinforce Ripple’s pitch to become a go-to infrastructure partner for corporates, fintechs and banks.
Regulatory context: XRP and the SEC taxonomy
The survey was released as the SEC issued a token taxonomy that classified XRP as a digital commodity rather than a security — a determination that aligns with Ripple’s long-standing legal position in its dispute with the regulator. Crypto commentator SMQKE highlighted legal experts’ arguments that the SEC’s earlier security framing for XRP was mistaken, noting that purchases of XRP (especially on exchanges) typically do not involve a contract — a key consideration under the Howey test for securities. Regulators, however, have cautioned that a token that is not a security in one context could become one if it is later used as the basis of an investment contract in which buyers reasonably expect profits from the efforts of others.
Why it matters
Taken together, the survey and recent regulatory signals could accelerate institutional exploration of stablecoins, tokenization and custody solutions. Finance leaders want partners who can deliver integrated, compliant infrastructure — a market opportunity Ripple is explicitly targeting as it expands its institutional product set and XRPL-based tokenization projects.
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