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市場調查報告書
商品編碼
2007930
基於區塊鏈的金融基礎設施市場預測至2034年-全球分析(按組件、基礎設施層、區塊鏈類型、技術、應用、最終用戶和地區分類)Blockchain-Based Financial Infrastructure Market Forecasts to 2034 - Global Analysis By Component (Platforms, Solutions and Services), Infrastructure Layer, Blockchain Type, Technology, Application, End User and By Geography |
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根據 Stratistics MRC 的數據,預計到 2026 年,全球基於區塊鏈的金融基礎設施市場規模將達到 107 億美元,並在預測期內以 30.2% 的複合年成長率成長,到 2034 年將達到 888 億美元。
基於區塊鏈的金融基礎設施是一種基於分散式帳本技術(DLT)的數位金融框架,它在去中心化的環境中支援金融交易、記錄保存和資產管理。這使得支付、結算、貸款和交易活動能夠安全、透明且防篡改地進行,同時減少對傳統仲介業者的依賴。透過加密檢驗和共識機制,該基礎設施提高了營運效率,降低了成本,並增強了參與者之間的信任。金融機構和金融科技平台正擴大採用該基礎設施來實現服務現代化,並支援更快、更可靠的全球金融營運。
傳統金融領域對營運效率的需求日益成長。
傳統金融業對營運效率和成本降低日益成長的需求是推動區塊鏈技術發展的主要動力。傳統銀行體系常面臨結算速度慢、仲介手續費高、需要人工對帳等挑戰。區塊鏈基礎設施透過實現即時結算、減少對中介機構的需求以及提供防篡改的交易記錄,成為極具吸引力的替代方案。金融機構持續致力於提高盈利和客戶體驗,因此在分散式帳本技術(DLT)方面投入巨資,以簡化跨境結算和貿易融資等傳統上飽受延誤和缺乏透明度困擾的流程。
缺乏統一的監管規定和互通性標準
一個主要限制因素是缺乏統一的監管架構和跨司法管轄區的互通性標準。全球監管格局的碎片化為考慮採用區塊鏈解決方案的金融機構帶來了不確定性。跨境部署因各國對數位資產、資料隱私和智慧合約合法性的立場不同而變得更加複雜。此外,確保不同區塊鏈網路與現有舊有系統之間的無縫整合也是一項技術難題。這種缺乏標準化的現狀可能會延緩大規模部署,並增加市場參與企業違規的風險。
央行數位貨幣(CBDC)正在獲得發展動力。
央行數位貨幣(CBDC)的蓬勃發展為市場擴張帶來了巨大機會。隨著全球各國央行探索和試行數位貨幣,發行、流通和結算都需要強大、擴充性且安全的基於區塊鏈的基礎設施。這為提供CBDC專屬解決方案的平台創造了龐大的市場,這些解決方案包括隱私保護技術和離線交易功能。 CBDC與現有金融體系的整合有望從根本上改變貨幣政策的實施和銀行間結算方式,並為基礎設施提供者創造新的收入來源和長期夥伴關係機會。
網路安全漏洞與網路攻擊風險
網路安全威脅的快速演變以及針對去中心化網路的複雜攻擊的可能性構成了重大威脅。雖然區塊鏈技術本身俱有安全性,但智慧合約程式碼、錢包基礎設施和共識機制中仍可能存在漏洞。備受矚目的資料外洩事件或對大型去中心化金融(DeFi)平台的成功攻擊,可能會嚴重損害機構和消費者對該技術的信心。區塊鏈交易的不可逆性進一步加劇了這種威脅。由於追回被盜資產十分困難,因此,強大的安全通訊協定和持續的審計不僅是功能,更是生存的必要條件。
新冠疫情加速了數位轉型,並激發了人們對基於區塊鏈的金融基礎設施的興趣。封鎖和保持社交距離的措施凸顯了紙本和人工金融流程的脆弱性,促使銀行和支付公司尋求非接觸式和高效的替代方案。這場危機凸顯了對一個具有韌性、全天候運作的支付系統的迫切需求,而區塊鏈恰好能夠滿足這一需求。儘管最初的投資因經濟不確定性而放緩,但在後疫情時代,區塊鏈的應用運作,人們的焦點再次轉向建立一個具有韌性、自動化和去中心化的金融系統,以抵禦未來全球範圍內的各種衝擊。
在預測期內,智慧合約領域預計將佔據最大的市場佔有率。
智慧合約領域預計將佔據最大的市場佔有率,這主要得益於其作為複雜金融合約自動化底層邏輯層的重要地位。這些自動執行的合約無需中介機構,從而降低成本並加快交易速度。其應用範圍涵蓋去中心化金融(DeFi)、貿易融資和合規流程等領域,使其成為不可或缺的工具。銀行業向可程式設計貨幣和自動化工作流程的轉變,也推動了對先進智慧合約平台的需求。
預計銀行業在預測期內將呈現最高的複合年成長率。
銀行業預計將呈現最高的成長率,這主要得益於銀行迫切需要對傳統基礎設施進行現代化改造,並應對來自敏捷金融科技公司的競爭。面對提高結算速度和降低營運成本的壓力,銀行正積極投資區塊鏈技術,用於銀行間結算、貿易融資和證券結算。透過採用私有和混合區塊鏈網路,銀行既能受益於分散式帳本技術(DLT)的高效性,又能保持隱私和控制權。
在預測期內,北美預計將佔據最大的市場佔有率,這主要得益於其成熟的金融服務業和主要技術提供者的高度集中。美國擁有重要的金融科技中心,且法規環境具有前瞻性(儘管仍在不斷變化),這些因素正在推動創新。創業投資對區塊鏈Start-Ups的強勁投入,以及大型銀行和投資公司早期採用區塊鏈技術,正在鞏固該地區的市場領導地位。
在預測期內,亞太地區預計將呈現最高的複合年成長率,這主要得益於快速的數位化和各國央行的大力支持。新加坡、香港和中國等國家和地區在央行數位貨幣(CBDC)的開發和監管沙盒方面處於領先地位,為區塊鏈技術的應用創造了沃土。此外,該地區還有大量人口沒有銀行帳戶,這為基於區塊鏈的普惠金融服務提供了巨大的發展機會。
According to Stratistics MRC, the Global Blockchain-Based Financial Infrastructure Market is accounted for $10.7 billion in 2026 and is expected to reach $88.8 billion by 2034 growing at a CAGR of 30.2% during the forecast period. Blockchain-Based Financial Infrastructure is a digital financial framework built on distributed ledger technology that supports financial transactions, recordkeeping, and asset management in a decentralized environment. It enables secure, transparent, and tamper-resistant processing of payments, settlements, lending, and trading activities while reducing dependence on traditional intermediaries. Through cryptographic verification and consensus mechanisms, this infrastructure improves operational efficiency, lowers costs, and strengthens trust among participants. Financial institutions and fintech platforms are increasingly adopting it to modernize services and support faster, more reliable global financial operations.
Increasing demand for operational efficiency in traditional finance
The increasing demand for operational efficiency and cost reduction in traditional finance is a primary driver. Legacy banking systems often involve lengthy settlement times, high intermediary fees, and manual reconciliation processes. Blockchain infrastructure offers a compelling alternative by enabling real-time settlement, reducing the need for intermediaries, and providing an immutable record of transactions. Financial institutions are under constant pressure to improve their bottom line and customer experience, leading to significant investment in DLT to streamline processes like cross-border payments and trade finance, which have historically been slow and opaque.
Lack of uniform regulatory clarity and interoperability standards
A major restraint is the lack of uniform regulatory clarity and interoperability standards across jurisdictions. The fragmented global regulatory landscape creates uncertainty for financial institutions looking to adopt blockchain solutions. Different countries have varying stances on digital assets, data privacy, and smart contract legality, making cross-border deployment complex. Furthermore, the challenge of ensuring seamless communication between disparate blockchain networks and existing legacy systems creates technical hurdles. This lack of standardization can slow down large-scale adoption and increase the risk of non-compliance for market participants.
Growing momentum of central bank digital currencies (CBDCs)
The growing momentum of Central Bank Digital Currencies (CBDCs) presents a significant opportunity for market expansion. As central banks worldwide explore and pilot digital currencies, they require robust, scalable, and secure blockchain-based infrastructure for issuance, distribution, and settlement. This creates a substantial market for platforms offering CBDC-specific solutions, including privacy-enhancing technologies and offline transaction capabilities. The integration of CBDCs with existing financial systems could fundamentally reshape monetary policy implementation and interbank settlements, opening new revenue streams and long-term partnerships for infrastructure providers.
Cybersecurity vulnerabilities and risk of network attacks
The rapid evolution of cybersecurity threats and the potential for sophisticated attacks on decentralized networks pose a significant threat. While blockchain technology is inherently secure, vulnerabilities can exist in smart contract code, wallet infrastructure, and consensus mechanisms. A high-profile security breach or a successful attack on a major decentralized finance (DeFi) platform could severely erode institutional and consumer trust in the technology. This threat is compounded by the irreversible nature of blockchain transactions, where stolen assets are difficult to recover, making robust security protocols and continuous auditing not just a feature, but an existential necessity.
The COVID-19 pandemic acted as a catalyst for digital transformation, accelerating interest in blockchain-based financial infrastructure. Lockdowns and social distancing measures highlighted the fragility of paper-based and manual financial processes, pushing banks and payment firms to seek contactless, efficient alternatives. The crisis underscored the need for resilient, 24/7 settlement systems, which blockchain provides. While initial investment slowed due to economic uncertainty, the post-pandemic landscape has seen a surge in adoption, with a renewed focus on building resilient, automated, and decentralized financial systems to withstand future global disruptions.
The Smart Contracts segment is expected to be the largest during the forecast period
The smart contracts segment is projected to hold the largest market share, driven by its role as the foundational logic layer for automating complex financial agreements. These self-executing contracts eliminate the need for intermediaries, reducing costs and enhancing transaction speed. Their application spans across DeFi, trade finance, and compliance processes, making them indispensable. The shift toward programmable money and automated workflows in banking is fueling demand for sophisticated smart contract platforms.
The Banks segment is expected to have the highest CAGR during the forecast period
The banks segment is anticipated to witness the highest growth rate, fueled by their urgent need to modernize legacy infrastructure and counter competition from agile fintech firms. Faced with pressure to improve settlement speeds and reduce operational costs, banks are aggressively investing in blockchain for interbank payments, trade finance, and securities settlement. The adoption of private and hybrid blockchain networks allows them to maintain privacy and control while benefiting from DLT efficiencies.
During the forecast period, the North America region is expected to hold the largest market share, driven by a mature financial services sector and a high concentration of leading technology providers. The presence of major fintech hubs and a proactive, albeit evolving, regulatory environment in the U.S. fosters innovation. Strong venture capital investment in blockchain startups and early adoption by major banks and investment firms solidify its market leadership.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR, supported by rapid digitalization and a strong push from central banks. Countries like Singapore, Hong Kong, and China are frontrunners in CBDC development and regulatory sandboxes, creating a fertile ground for blockchain adoption. The region's large unbanked population presents a significant opportunity for blockchain-based inclusive financial services.
Key players in the market
Some of the key players in Blockchain-Based Financial Infrastructure Market include Ripple Labs Inc., R3 LLC, Consensys Software Inc., IBM Corporation, Microsoft Corporation, Oracle Corporation, JPMorgan Chase & Co., Visa Inc., Mastercard Incorporated, Accenture plc, Digital Asset Holdings, LLC, Coinbase Global, Inc., Circle Internet Financial Limited, Stellar Development Foundation, and Nasdaq, Inc.
In May 2025, Ripple Labs announced the launch of a new liquidity solution built on its XRP Ledger, designed to integrate directly with central bank digital currency (CBDC) platforms, enabling seamless cross-border payments and currency exchange between CBDCs and other digital assets.
In March 2025, IBM Corporation expanded its partnership with a leading global financial institution to deploy a new blockchain-based trade finance platform. The platform leverages IBM's federated blockchain technology to reduce document processing time from weeks to hours, enhancing efficiency for thousands of global suppliers.
Note: Tables for North America, Europe, APAC, South America, and Rest of the World (RoW) are also represented in the same manner as above.