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市场调查报告书
商品编码
2007930
基于区块链的金融基础设施市场预测至2034年-全球分析(按组件、基础设施层、区块链类型、技术、应用、最终用户和地区划分)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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根据 Stratistics MRC 的数据,预计到 2026 年,全球基于区块链的金融基础设施市场规模将达到 107 亿美元,并在预测期内以 30.2% 的复合年增长率增长,到 2034 年将达到 888 亿美元。
基于区块链的金融基础设施是一种基于分散式帐本技术(DLT)的数位金融框架,它在去中心化的环境中支援金融交易、记录保存和资产管理。这使得支付、结算、贷款和交易活动能够安全、透明且防篡改地进行,同时减少对传统仲介业者的依赖。透过加密检验和共识机制,该基础设施提高了营运效率,降低了成本,并增强了参与者之间的信任。金融机构和金融科技平台正越来越多地采用该基础设施来实现服务现代化,并支援更快、更可靠的全球金融营运。
传统金融领域对营运效率的需求日益增长。
传统金融业对营运效率和成本降低日益增长的需求是推动区块链技术发展的主要动力。传统银行体系常面临结算速度慢、仲介手续费高、需要人工对帐等挑战。区块链基础设施透过实现即时结算、减少对中介机构的需求以及提供防篡改的交易记录,成为极具吸引力的替代方案。金融机构持续致力于提高盈利和客户体验,因此在分散式帐本技术(DLT)方面投入巨资,以简化跨境结算和贸易融资等传统上饱受延误和缺乏透明度困扰的流程。
缺乏统一的监管规定和互通性标准
一个主要限制因素是缺乏统一的监管架构和跨司法管辖区的互通性标准。全球监管格局的碎片化为考虑采用区块链解决方案的金融机构带来了不确定性。跨境部署因各国对数位资产、资料隐私和智慧合约合法性的立场不同而变得更加复杂。此外,确保不同区块链网路与现有旧有系统之间的无缝整合也是一项技术难题。这种缺乏标准化的现状可能会延缓大规模部署,并增加市场参与企业违规的风险。
央行数位货币(CBDC)正在获得发展动力。
央行数位货币(CBDC)的蓬勃发展为市场扩张带来了巨大机会。随着全球各国央行探索和试行数位货币,发行、流通和结算都需要强大、扩充性且安全的基于区块链的基础设施。这为提供CBDC专属解决方案的平台创造了庞大的市场,这些解决方案包括隐私保护技术和离线交易功能。 CBDC与现有金融体系的整合有望从根本上改变货币政策的实施和银行间结算方式,并为基础设施提供者创造新的收入来源和长期伙伴关係机会。
网路安全漏洞与网路攻击风险
网路安全威胁的快速演变以及针对去中心化网路的复杂攻击的可能性构成了重大威胁。虽然区块链技术本身俱有安全性,但智慧合约程式码、钱包基础设施和共识机制中仍可能存在漏洞。备受瞩目的资料外洩事件或对大型去中心化金融(DeFi)平台的成功攻击,可能会严重损害机构和消费者对该技术的信心。区块链交易的不可逆性进一步加剧了这种威胁。由于追回被盗资产十分困难,因此,强大的安全通讯协定和持续的审计不仅是功能,更是生存的必要条件。
新冠疫情加速了数位转型,并激发了人们对基于区块链的金融基础设施的兴趣。封锁和保持社交距离的措施凸显了纸本和人工金融流程的脆弱性,促使银行和支付公司寻求非接触式和高效的替代方案。这场危机凸显了对一个具有韧性、全天候运作的支付系统的迫切需求,而区块链恰好能够满足这一需求。儘管最初的投资因经济不确定性而放缓,但在后疫情时代,区块链的应用运作,人们的焦点再次转向建立一个具有韧性、自动化和去中心化的金融系统,以抵御未来全球范围内的各种衝击。
在预测期内,智能合约领域预计将占据最大的市场份额。
智慧合约领域预计将占据最大的市场份额,这主要得益于其作为复杂金融合约自动化底层逻辑层的重要地位。这些自动执行的合约无需中介机构,从而降低成本并加快交易速度。其应用范围涵盖去中心化金融(DeFi)、贸易融资和合规流程等领域,使其成为不可或缺的工具。银行业向可程式设计货币和自动化工作流程的转变,也推动了对先进智慧合约平台的需求。
预计银行业在预测期内将呈现最高的复合年增长率。
银行业预计将呈现最高的成长率,这主要得益于银行迫切需要对传统基础设施进行现代化改造,并应对来自敏捷金融科技公司的竞争。面对提高结算速度和降低营运成本的压力,银行正积极投资区块链技术,用于银行间结算、贸易融资和证券结算。透过采用私有和混合区块链网络,银行既能受益于分散式帐本技术(DLT)的高效性,又能保持隐私和控制权。
在预测期内,北美预计将占据最大的市场份额,这主要得益于其成熟的金融服务业和主要技术提供者的高度集中。美国拥有重要的金融科技中心,且法规环境具有前瞻性(儘管仍在不断变化),这些因素正在推动创新。创业投资对区块链Start-Ups的强劲投入,以及大型银行和投资公司早期采用区块链技术,正在巩固该地区的市场领导地位。
在预测期内,亚太地区预计将呈现最高的复合年增长率,这主要得益于快速的数位化和各国央行的大力支持。新加坡、香港和中国等国家和地区在央行数位货币(CBDC)的开发和监管沙盒方面处于领先地位,为区块链技术的应用创造了沃土。此外,该地区还有大量人口没有银行帐户,这为基于区块链的普惠金融服务提供了巨大的发展机会。
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.