Crypto-asset services are increasingly emerging as one of the factors when choosing a bank
The offer of crypto services is increasingly influencing how some European investors choose their bank, according to a new study by Börse Stuttgart Digital. According to the results of a survey conducted among about 6,000 investors from Germany, Italy, Spain and France, 35 percent of respondents would consider changing banks if another institution offered better opportunities related to cryptoassets. The survey also shows that almost one in five respondents expects their main bank to provide access to crypto-asset services in the next three years. The results of the survey indicate that some respondents expect the availability of crypto-asset services in the offer of financial institutions. On the other hand, regulatory issues and lack of information remain the biggest obstacles. As many as 76 percent of respondents believe that the field of crypto-assets is still insufficiently regulated, while more than 60 percent state that there is not enough knowledge about digital assets.
Source: cointelegraph
MiCA increases trust in the regulatory framework
One of the reasons for the changes in investor attitudes could be the new European regulatory framework. The Markets in Crypto-Assets Regulation, known as MiCA, became fully applicable to crypto-asset service providers at the end of December 2024. According to the survey, almost half of the respondents stated that it was MiCA that increased their confidence in the crypto-asset market. Matthias Voelkel, CEO of the Börse Stuttgart Group, said that trust and a clear regulatory framework are important for the further development of the market in Europe and that MiCA brings greater legal clarity and transparency for market participants. Meanwhile, more and more traditional financial institutions are introducing services related to crypto-assets. In early 2025, Börse Stuttgart Digital announced that, through its custodial subsidiary, it had become the first German crypto-asset service provider to obtain a MiCA license to operate at the European Union level. The company has thus positioned itself as a regulatory-compliant infrastructure provider for banks, brokers, and asset managers.
Source: cointelegraph
Spain has the highest share of respondents who own crypto-assets.
Among the countries surveyed, the highest share of investors in crypto-assets was recorded in Spain. Almost 28 percent of respondents said they already own crypto-assets. They are followed by Germany with 25 percent, Italy with 24 percent and France with 23 percent. At the level of all respondents, 25 percent of them indicated that they had already invested in crypto-assets, while 36 percent said that they were likely to invest again within the next five years. The results of the survey suggest that interest in crypto-assets persists despite changes in the market. According to a report by Chainalysis published in October 2025, Russia had the largest crypto market in Europe by the total value of crypto assets received between July 2024 and June 2025. The United Kingdom was in second place, followed by Germany.
Source: cointelegraph
Regulation and lack of knowledge continue to slow adoption
Despite the growing interest in crypto-assets, regulatory issues and a lack of understanding of the market remain major obstacles. About 76 percent of respondents believe that crypto-assets are still not sufficiently regulated, while more than 60 percent state that there is not enough information about this area. At the same time, confidence in the regulatory framework has started to change following the introduction of the Markets in Crypto-assets Regulation (MiCA). The rules for crypto-asset service providers fully entered into force on 30 December 2024, introducing a single regulatory framework across the European Union. Almost half of the surveyed investors believe that MiCA has influenced their attitude towards digital assets, i.e. that it has brought clearer rules for the market. Matthias Voelkel, CEO of the Börse Stuttgart Group, stated that trust and clear regulation are important for the further development of the crypto-asset market in Europe and that MiCA provides greater legal clarity to market participants. Regulatory changes also affect the activities of financial institutions. In early 2025, Börse Stuttgart Digital announced that it had become the first German crypto-asset service provider with a MiCA license valid at the European Union level through its custody unit. The company thus provides infrastructure for banks, brokers, and asset managers who want to offer crypto-asset-related services.
Source: cointelegraph
More and more traditional financial institutions are introducing crypto-asset services
Research by Börse Stuttgart Digital shows that crypto-assets are increasingly becoming part of the conversation between users and financial institutions in Europe. Some investors expect banks to offer crypto-asset services in the future, while a regulatory framework such as MiCA is changing the way institutions approach this area. Nevertheless, barriers such as lack of information and regulatory issues continue to play an important role. Further market developments are likely to depend on how banks, regulators and users adapt to the new rules, and how crypto-asset services continue to evolve within the European financial system.