XRP News Today: Traditional Banks Invest $100B in Crypto Infrastructure Since 2020

Traditional banks are increasingly investing in the cryptocurrency and blockchain sector, injecting over $100 billion since 2020 into digital asset infrastructure. The "Banking on Digital Assets" report, jointly released by Ripple, CB Insights, and the UK Blockchain Technologies Centre, analyzed more than 10,000 investment deals and surveyed over 1,800 finance executives globally. The report highlights a strategic shift by traditional financial institutions from speculative crypto activities to reinforcing robust infrastructure, including custody solutions, tokenization platforms, and cross-border payment systems [1].

Among the 345 blockchain-related deals recorded between 2020 and 2024, approximately 25% targeted infrastructure for blockchain-based settlement and asset issuance. Cross-border payments remain a primary focus, with 65% of banking executives exploring custody services, and more than half prioritizing stablecoins and tokenized real-world assets [1]. Examples of institutional advancements include HSBC’s tokenized gold offering, Goldman Sachs’ GS DAP initiative, and SBI’s quantum-resistant currency project [1].

Despite regulatory hurdles in the U.S. and Europe, the momentum for blockchain adoption has not waned. In fact, after the FTX collapse in early 2024, traditional finance institutions increased their investments in the sector. Emerging markets, such as the UAE, India, and Singapore, have rapidly adopted the technology, aligning global capital toward these innovations [1]. U.S. regulators like the SEC and CFTC have also begun revising guidance to facilitate broader crypto participation by traditional institutions [2].

The report emphasizes the potential for cryptocurrencies to significantly influence the financial sector by 2028, with 90% of surveyed finance leaders anticipating substantial impact. Half of the institutions expect to launch tokenized bond pilots or settlement layers for central bank digital currencies (CBDCs) and private stablecoins within the next three years [1]. These developments underscore the growing legitimacy and integration of digital assets into traditional finance.

Retail and institutional demand has also surged, with XRP rising 68% over the past six months, driven by renewed institutional interest [3]. Additionally, blockchain projects like BlockchainFX have shown strong whale wallet activity, indicating growing interest in newer platforms [4]. The DeFi industry, though smaller compared to traditional finance, is gaining the necessary momentum for significant expansion, aided by innovations such as Remittix’s mobile-first crypto-to-bank transfer solution [7].

Traditional banks are no longer mere observers in the crypto space—they are now leading the transition. With regulatory support, institutional backing, and increasing retail participation, the integration of crypto into mainstream finance is becoming a tangible reality rather than a speculative concept [1].

Source:

[1] Ripple and CB Insights Report, [https://coinmarketcap.com/community/articles/688f9333d21e7556b9bbdc6f/](https://coinmarketcap.com/community/articles/688f9333d21e7556b9bbdc6f/)

[2] U.S. Regulators Unify Crypto Oversight, [https://www.ainvest.com/news/regulators-unify-crypto-oversight-spur-innovation-clarity-2508/](https://www.ainvest.com/news/regulators-unify-crypto-oversight-spur-innovation-clarity-2508/)

[3] XRP Surges 68% in Six Months, [https://www.wavy.com/business/press-releases/globenewswire/9505145/xrp-surges-68-in-six-months-hashj-launches-simplified-xrp-contract-participation-amid-renewed-institutional-adoption](https://www.wavy.com/business/press-releases/globenewswire/9505145/xrp-surges-68-in-six-months-hashj-launches-simplified-xrp-contract-participation-amid-renewed-institutional-adoption)

[4] Whale Wallet Activity Reveals BlockchainFX as 2025's Top, [https://coincentral.com/whale-wallet-activity-reveals-blockchainfx-as-2025s-top-crypto-presale-over-tron-cardano-and-other-old-favorites/](https://coincentral.com/whale-wallet-activity-reveals-blockchainfx-as-2025s-top-crypto-presale-over-tron-cardano-and-other-old-favorites/)

[7] Last Chance To Buy XRP Under $3, [https://www.mitrade.com/insights/news/live-news/article-3-1007909-20250803](https://www.mitrade.com/insights/news/live-news/article-3-1007909-20250803)