Bank Digital Asset Budget at 88%, Actual Operation at 16%

Investment in digital assets by banks has rapidly expanded at the budgeting stage, but the proportion that has moved to the operational stage is only 16%. According to a report by Fireblocks, 88% of institutions allocated budgets for digital asset infrastructure by 2026, but only 16% have reached the production stage. 53% of responding institutions have invested more than $1 million in digital asset infrastructure, while 11% have postponed execution until 2027. Internal infrastructure is a major bottleneck, with only 15% of institutions fully prepared in terms of custody and wallet governance infrastructure. 54% are partially prepared or under construction, 23% are in the initial exploration stage, and 8% are unprepared. Additionally, financial institutions identified compliance and regulatory requirements as wallet construction challenges, with 52% pointing this out. Digital asset infrastructure must be integrated into a single operational model that goes beyond simple technology adoption, encompassing customer asset custody, transaction approval, internal auditing, and external transfer controls. 43% of respondents indicated that non-bank competitors are a key pressure for digital asset investment, and 96% expect that regulations in 2026 will be favorable for digital asset adoption.

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