A survey of 142 US bank executives found that 64% believe Bitcoin and Ethereum will be permanently integrated into the financial system, reflecting a shift in attitudes toward digital assets.
Crypto assets are increasingly being recognized by traditional US financial institutions as an integral part of the modernbanking ecosystem. The latest research from American Banker reveals a significant shift in the perception of digital assets by industry Vai , marking a significant turning point in the digitization of finance.
According to a survey conducted between August and September 2025 with 142 middle and senior managers from banks, credit unions and payment companies, the majority of executives believe that public crypto assets like Bitcoin and Ethereum will have a long-term presence in the financial markets.
The figure of 64% shows a strong consensus on the future of this digital asset. For stablecoins, especially USDT and USDC, the level of trust reached 56%, showing that stablecoins are highly appreciated for their potential applications in payments and transactions.
Differentiation by organizational size
The study also found notable differences in views across financial institution types. Credit unions were the most optimistic, with 78% of representatives believing in the essential Vai of crypto assets. National and regional banks followed closely at 72%, while local banks were more cautious, with only 52% Chia the same view.
This trend is driven by customer demand. The report found that 47% of customers want access to detailed information about digital assets, 35% are interested in the ability to make payments with crypto assets, and 27% are looking for custody services for assets under their management. Notably, large banks with total assets of over $10 billion recorded significantly higher demand, with 65% of customers requesting information about crypto assets.
In addition to public cryptoassets and stablecoins, new financial products such as crypto deposits and crypto real assets also attracted attention with confidence rates of 45% and 42%, respectively. The banking industry is currently calling for amendments to the GENIUS Act to be passed in July 2025, specifically requiring the right to pay interest on crypto deposits and easing reserve requirements, in order to create a fair competitive environment for cryptoasset exchanges.
