Stablecoins Emerge as Core Tool in Corporate Treasury Plans

TLDR

• Ripple surveyed more than 1000 global finance leaders on digital asset adoption.
• Seven in 10 respondents said firms must offer digital asset solutions to stay competitive.
• About 74% of leaders said stablecoins improve cash flow efficiency and unlock working capital.
• Around 31% of fintechs use stablecoins to collect customer payments.
• Nearly 97% of respondents said security certifications such as ISO and SOC 2 are critical.

Digital assets now sit at the center of financial planning across banks, asset managers, fintechs, and corporates. Ripple surveyed more than 1,000 global finance leaders and found rising urgency around adoption. The data shows firms now treat digital asset solutions as competitive requirements rather than optional pilots.

Seven in 10 respondents said finance leaders must offer digital asset services to remain competitive. Ripple said the industry views the shift as a “digital asset revolution” already underway. The survey captured responses from banks, fintechs, asset managers, and corporates across global markets.

Stablecoins Lead Corporate Treasury Strategy

Stablecoins ranked as the most compelling use case among digital assets in the survey. About 74% of respondents said stablecoins improve cash-flow efficiency and unlock working capital. Leaders linked stablecoins to faster settlement and improved liquidity management.

Ripple reported that corporates now explore stablecoins as treasury tools rather than simple payment rails. Respondents said pegging to fiat currencies such as the $U.S. dollar reduces volatility concerns. The survey showed that firms prioritize operational efficiency and predictable value storage.

Fintech firms reported early adoption of stablecoins in both treasury and payments functions. Around 31% use stablecoins to collect customer payments, while 29% accept them directly. Many fintechs also partner with digital asset custodians for secure storage solutions.

Banks and Asset Managers Focus on Custody and Tokenization

Banks and asset managers reported rising interest in tokenizing real-world assets. Among institutions exploring tokenization, 89% prioritized secure storage and custody solutions. Respondents said custody infrastructure forms the foundation for digital asset expansion.

Banks placed strong emphasis on token management capabilities within their strategies. About 82% of banks highlighted token management as a core operational focus. Asset managers, however, concentrated on distribution, with 80% prioritizing that function.

The survey found that 47% of fintechs plan to build proprietary digital asset solutions. At the same time, many institutions rely on infrastructure providers for custody and compliance services. Ripple reported that firms balance in-house development with external partnerships.

Security standards ranked as a central requirement across all respondent groups. About 97% cited certifications such as ISO and SOC 2 as critical decision factors. Leaders also pointed to operational support and industry experience when selecting providers.

Ripple surveyed more than 1,000 finance leaders worldwide. The findings reflect current adoption levels and stated priorities for digital asset infrastructure. Stablecoins emerged as the preferred instrument for treasury management within the reported data.

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