Traditional Banks Invest $100 Billion in Blockchain Since 2020

A Ripple and CB Insights report reveals over $100 billion in blockchain investments by traditional banks since 2020, despite regulatory uncertainty, signaling a shift toward modernization.

The increasing investment highlights blockchain’s potential to transform finance, with 90% predicting a significant impact. Major banks like JPMorgan and Citigroup lead these efforts.

Traditional Banks Lead in Blockchain Investment and Innovation

Major global banks, including Citigroup and JPMorgan, have invested over $100 billion in blockchain since 2020, according to a Ripple report. This trend underscores the increasing acceptance of digital assets in traditional finance. Despite market volatility, banks are doubling down on blockchain innovations.

The report, published by Ripple, CB Insights, and the UK Centre for Blockchain Technologies, reveals significant investment in blockchain by major financial institutions. It highlights the adoption of payment infrastructure, custody services, and tokenization, with 90% of financial leaders surveyed predicting a substantial impact on finance within three years.

Ripple’s Team noted, “Banks and financial institutions are no longer deliberating on [blockchain’s] impact but are instead integrating the technology as a foundational component of modern finance.”

Historical Context, Price Data, and Expert Analysis

Did you know? Despite past volatility, stablecoin transactions reached $700 billion monthly in 2025, driven by institutional adoption.

Ethereum (ETH) is trading at $3,536.30, with a market cap over $426.87 billion and a 24-hour volume down 30.46% to $21.26 billion, as of August 4, 2025. ETH has seen a 40.60% 30-day rise, according to CoinMarketCap, reflecting ongoing blockchain adoption.

Experts from the Coincu research team suggest that blockchain investment boosts financial stability as institutional players embrace digital assets. Regulatory frameworks will likely enable smoother integration, further catalyzing technological advancements and fostering a robust financial ecosystem.