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市場調查報告書
商品編碼
2124498
金融科技區塊鏈:市場佔有率分析、產業趨勢與統計、成長預測(2026-2031)Fintech Blockchain - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2026 - 2031) |
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據 Mordor Intelligence 稱,金融科技區塊鏈市場預計將從 2025 年的 67.7 億美元成長到 2026 年的 74.2 億美元,到 2031 年達到 110.6 億美元,2026 年至 2031 年的複合年成長率為 8.31%。

本報告按提供者(中間件提供者、應用和解決方案供應商、基礎設施和協議提供者)、應用程式(交易所和匯款、智慧合約等)、組織規模(大型企業、中小企業)、最終用戶產業(銀行、保險等)和地區進行細分。市場預測以價值(美元)表示。
SWIFT將於2025年9月推出分散式帳本模組,這標誌著該網路(每天處理4000萬條訊息)正朝著即時鏈上可見性方向發展,從而縮小與Ripple和Stellar等支付方式的技術差距。國際清算銀行(BIS)確認,mBridge計畫將在2025年結算價值220億美元的批發交易,將結算時間從兩天縮短至幾秒鐘,並將費用減半。個人匯款方式也正在效仿,例如MoneyGram整合了Stellar的匯款方式,將交易成本降低至1%以下。亞太地區佔全球匯款總額的42%,得益於新加坡《支付服務法》的支持性法規,該地區擁有最大的沙盒環境。隨著監管確定性的提高,跨境匯款方式預計將在2031年之前徹底轉向區塊鏈匯款方式。
世界經濟論壇預測,到2030年,代幣化實體資產的規模可能達到16兆美元,儘管其流動性仍分散在各個持牌交易平台上。歐洲投資銀行已將其數位債券發行規模從2021年的1億歐元擴大到2025年的6億歐元(約6.48億美元),與傳統帳本系統相比,營運成本顯著降低。西門子在Polygon平台上發行的6,000萬歐元(約6,500萬美元)數位債券,發行成本降低了40%,並省去了仲介業者。諸如Paxos Gold等代幣化商品的未償餘額目前已超過10億美元,為去中心化借貸池提供了鏈上抵押品。巴塞爾協議I對代幣化傳統資產的處理方式消除了過度資本權重,並為銀行資產負債表接受代幣化抵押品鋪平了道路。
企業通常會參與多個聯盟,例如 Hyperledger Fabric、R3 Corda 和 Canton,但共識機制和資料模型的差異迫使它們建立並行基礎設施,從而增加成本和後勤部門對帳工作。 Chainlink 的 CCIP 承諾實現跨鏈通訊,但由於大多數許可型帳本限制對外部Oracle的訪問,它目前仍僅限於公共網路。歐洲區塊鏈服務基礎設施 (ESI) 清楚地展現了這項挑戰。由於 27 個成員國各自採用不同的身分方案,無縫資料交換受到阻礙。因此,銀行被迫在向主導聯盟放棄柔軟性和以犧牲網路效應為代價來運作孤立網路之間做出選擇。在出現滿足隱私、稽核和吞吐量要求的通用互通性層之前,休閒造成的碎片化將阻礙大規模應用。
到2025年,中介軟體供應商將佔據金融科技區塊鏈市場42.36%的佔有率,這反映出企業對抽象層的高需求,這些抽象層能夠連接現有核心系統和多個分散式帳本,而無需徹底替換現有系統,從而避免業務中斷。諸如IBM Blockchain之類的平台每秒可處理超過2萬筆交易,用於貿易融資聯盟,從而實現敏感資料隔離和細粒度存取控制。由於銀行選擇承包結算、託管和合規模組以加快產品上市速度,應用和解決方案供應商約佔總支出的35%。基礎設施和協議提供者在金融科技區塊鏈市場的佔有率正以8.89%的複合年成長率成長。這是因為企業現在正在以太坊的Layer 2 Rollup、Polygon的權益證明(PoS)鍊和Avalanche的子網上推出自託管節點,這些節點能夠實現亞秒級的最終確認和極低的費用。 Canton Network 的隱私保護同步功能正吸引資本市場營運商的關注,他們希望獲得單一、可信賴的資訊來源,同時避免過度共用訂單簿。 Oracle 將其區塊鏈平台整合到 Fusion Cloud 套件中,顯示軟體巨頭正在將帳本服務與 ERP 和供應鏈模組捆綁在一起,旨在鞏固企業在其自身平台內的工作流程。
隨著大型銀行將協議專業知識納入內部管理以控制成本和延遲,需求模式預計將會發生變化;而中型金融機構則更傾向於使用託管中間件,將節點維護和管治升級外包出去。開源生態系統也正在改變競爭格局, 開放原始碼 Fabric、Corda 和以太坊都提供可插拔共識機制,讓第三方服務公司能夠透過提供支援而非自身程式碼來獲利。隨著企業採用多休閒架構,能夠跨網路標準化 API 和事件流的中立編排器預計將佔據主導市場佔有率。因此,儘管預計到 2031 年協議支出將保持較高的成長率,但中間件預計仍將保持主導地位。
支付、清算和結算處理仍然是核心業務,預計到2025年將佔總支出的39.56%,現有企業正在整合基於區塊鏈的追蹤和按需流動性服務。同時,身分管理領域實現了最高的複合年成長率,達到9.51%,這主要得益於銀行採用W3C的「可驗證憑證」(檢驗 Credentials)來集中管理客戶身份驗證(KYC)結果,同時分散儲存原始資料。與交易所和匯款平台相關的金融科技區塊鏈市場約佔22%,這主要由Coinbase的機構仲介服務和Stellar的MoneyGram匯款管道推動。支援信用證(L/C)工作流程和參數保險的智慧合約約佔18%,Chainlink的Oracle為超過10,000個運作中合約提供資料。合規管理佔12%,這主要得益於MiCA(金融監管市場)規則在歐洲強制要求進行即時區塊鏈分析。
未來,隨著去中心化識別碼無縫整合到行動錢包和政府電子識別系統中,身分識別層有望超越支付領域。過去需要數天才能完成的銀行帳戶開立,如今只需幾分鐘,這將減輕員工的工作量並提高轉換率。在跨境貿易中,隨著載貨證券化,身分識別和合規模組將協同工作,實現從合約簽署到清關的無縫銜接。亞太地區超級應用中代幣化忠誠度計畫和去中心化信用評分的先導計畫進一步拓展了其應用範圍,確保金融科技區塊鏈市場持續多元化發展,超越其最初的支付領域。
隨著監管機構明確代幣化資產相關政策,機構投資人擴大ETF投資,北美金融科技與區塊鏈市場仍維持產業標竿地位。美國銀行在《天才法案》(Genius Act)的保護下進行公司債代幣化;加拿大正在向非銀行營業單位發放託管牌照;墨西哥修訂後的金融科技法允許在沙盒環境中開展試點項目,該沙盒環境目前已處理了8%流向美國的高價值交易。由於主要雲端服務供應商總部設在該地區,企業可以享受豐富的基礎設施選擇,進一步鞏固了其現有的營收優勢。
歐洲受益於早期數位債券框架和MiCA框架下的統一通行證系統,這減少了法律碎片化,並促進了整個歐洲大陸的部署。德國的電子證券法已經允許直接在鏈上發行歐元計價債券。法國透過吸引Circle將其歐洲總部遷至法國,凸顯了其政策競爭力。同時,英國雖然脫離了歐盟,但仍透過利用其數位證券沙盒保持在該領域的影響力;瑞士獨立的分散式帳本技術(DLT)法律也持續吸引託管相關的新創公司。
亞太地區的進展並不均衡。中國的微型數位貨幣在交易量方面優於其他央行數位貨幣試點項目,但嚴格的資本管制限制了其跨境使用。日本的「數位日圓」、印度的基於區塊鏈的統一支付介面(UPI)以及韓國的代幣化債券沙盒正在為該地區的快速部署奠定基礎,前提是互通性挑戰能夠得到解決。澳洲CHESS替代系統的部署延遲凸顯了實施的複雜性,同時也強調了長期致力於大規模部署的必要性。在全部區域,整合了基於區塊鏈的積分計劃和微額保險的超級應用程式有望擴大消費者的參與度。
According to Mordor Intelligence, the fintech blockchain market size is expected to increase from USD 6.77 billion in 2025 to USD 7.42 billion in 2026 and reach USD 11.06 billion by 2031, growing at a CAGR of 8.31% over 2026-2031.

This report is Segmented by Provider (Middleware Providers, Application and Solution Providers, Infrastructure and Protocol Providers), Application (Exchanges and Remittance, Smart Contract, and More), Organization Size (Large Enterprises, and Small and Medium-Sized Enterprises), End-User Verticals (Banking, Insurance, and More), and Geography. The Market Forecasts are Provided in Terms of Value (USD).
SWIFT's September 2025 rollout of a distributed-ledger module signaled a pivot by the 40 million messages per day network toward instant, on-chain visibility, narrowing the technology gap with Ripple and Stellar corridors. The Bank for International Settlements confirmed that Project mBridge settled USD 22 billion in wholesale trades during 2025, compressing settlement time from two days to seconds and halving fees. Consumer remittance lanes are following suit, evidenced by MoneyGram's integration of Stellar rails that cut transaction costs below 1%. Asia-Pacific, which accounts for 42% of global remittance volume, offers the largest sandbox thanks to supportive rules under Singapore's Payment Services Act. As regulatory certainty grows, cross-border corridors are expected to tip decisively toward blockchain rails well before 2031.
The World Economic Forum projects that tokenized real-world assets could represent USD 16 trillion by 2030, yet liquidity remains fragmented across permissioned venues. The European Investment Bank scaled digital-bond issuance from EUR 100 million in 2021 to EUR 600 million (USD 648 million) by 2025, proving operational savings over book-entry systems. Siemens's EUR 60 million (USD 65 million) digital bond on Polygon reduced issuance costs by 40% and bypassed intermediaries. Tokenized commodities such as Paxos Gold now exceed USD 1 billion outstanding, furnishing on-chain collateral for decentralized lending pools. Basel Group 1 treatment for tokenized traditional assets eliminates punitive capital weights, opening bank balance sheets to tokenized collateral.
Enterprises often participate in multiple consortia, Hyperledger Fabric, R3 Corda, and Canton, yet divergent consensus and data models force parallel infrastructure, inflating costs and back-office reconciliation. Chainlink's CCIP promises cross-chain messaging but remains confined to public networks because most permissioned ledgers restrict external oracle access. The European Blockchain Services Infrastructure illustrates the challenge: 27 member states adopted varied identity schemas, blocking seamless data exchange. Banks, therefore, face a choice between surrendering flexibility to a dominant consortium or running isolated networks that sacrifice network effects. Until a universal interoperability layer meets privacy, audit, and throughput needs, multi-ledger fragmentation will temper large-scale rollouts.
Other drivers and restraints analyzed in the detailed report include:
For complete list of drivers and restraints, kindly check the Table Of Contents.
Middleware providers held 42.36% of the fintech blockchain market share in 2025, underscoring enterprise demand for abstraction layers that bridge legacy core systems to multiple distributed ledgers without rip-and-replace disruption. Platforms such as IBM Blockchain process over 20,000 transactions per second for trade-finance consortia, enabling confidential data segregation and granular permissioning. Application and solution vendors controlled roughly 35% of spending as banks opted for turnkey payment, custody, and compliance modules that accelerate time-to-market. The fintech blockchain market size allocation for infrastructure and protocol providers is rising at an 8.89% CAGR because firms now spin up self-hosted nodes on Ethereum Layer-2 rollups, Polygon proof-of-stake chains, and Avalanche subnets that achieve sub-second finality and negligible fees. Canton Network's privacy-preserving synchronization is attracting capital markets operators seeking a single source of truth without over-sharing order books. Oracle's integration of Blockchain Platform into its Fusion Cloud suite illustrates how software giants bundle ledger services with ERP and supply-chain modules to lock in enterprise workflows.
Demand patterns are set to evolve as large banks insource protocol expertise for cost and latency control, while mid-tier institutions favor managed middleware that outsources node maintenance and governance upgrades. Open-source ecosystems are also shifting the competitive balance because Hyperledger Fabric, Corda, and Ethereum each offer pluggable consensus, enabling third-party service firms to monetize support rather than proprietary code. As firms deploy multi-ledger architectures, neutral orchestrators that normalize APIs and event streams across networks stand to capture outsized wallet share. Consequently, middleware is expected to retain leadership in absolute revenue, even though protocol spending posts the faster growth rate through 2031.
Payments, clearing, and settlement remained the anchor, commanding 39.56% of 2025 spending as incumbents integrated blockchain tracking and on-demand liquidity services. Identity management, however, posted the highest 9.51% CAGR as banks adopted W3C Verifiable Credentials to centralize know-your-customer outcomes while decentralizing raw data storage. The fintech blockchain market size attached to exchanges and remittance platforms represented about 22%, driven by Coinbase institutional brokerage and Stellar MoneyGram corridors. Smart contracts supporting letter-of-credit workflows and parametric insurance captured roughly 18%, with Chainlink oracles feeding data into more than 10,000 live contracts. Compliance management rounded out 12% as MiCA rules forced real-time blockchain analytics in Europe.
Looking ahead, identity layers are poised to leapfrog payments once decentralized identifiers integrate seamlessly into mobile wallets and government e-ID programs. Bank onboarding that once took days now completes in minutes, freeing staff capacity and improving conversion. As cross-border trade digitizes bills of lading and certificates of origin, identity and compliance modules will intertwine, enabling straight-through processing from contract initiation to customs clearance. Tokenized loyalty and decentralized credit scoring pilots in Asia-Pacific super-apps further broaden application scope, ensuring the fintech blockchain market continues to diversify beyond its payment roots.
North America's fintech blockchain market size remains the benchmark as regulators clarify tokenized-asset treatment and institutional investors scale ETF flows. United States banks use GENIUS Act protections to tokenize corporate bonds, while Canada expands custody licenses to non-bank entities, and Mexico's fintech-law amendments permit sandbox pilots that already process 8% of the high-value corridor to the United States. With major cloud providers headquartered in the region, enterprises enjoy abundant infrastructure choice, reinforcing the current revenue lead.
Europe benefits from early digital-bond frameworks and MiCA's uniform passporting, which reduces legal fragmentation and encourages continental deployment. Germany's electronic securities law has already enabled direct issuance of EUR-denominated bonds on-chain. France captured Circle's European headquarters relocation, highlighting policy competitiveness. Meanwhile, the United Kingdom, now outside the European Union, uses a digital-securities sandbox to maintain relevance, plus Switzerland's independent DLT law continues to attract custody startups.
Asia-Pacific exhibits heterogeneous progress. China's retail digital currency dwarfs other CBDC pilots by volume, yet strict capital controls limit cross-border use. Japan's Digital Yen, India's blockchain-enhanced UPI, and South Korea's tokenized-bond sandbox position the region for rapid deployment once interoperability questions are resolved. Australia's delay of the CHESS replacement underscores implementation complexity but also confirms long-term commitment to large-scale adoption. Across the region, super-apps integrating blockchain loyalty points and micro-insurance are likely to widen retail participation.