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Payments & cash

03/07/2026 -

Money and payments fulfil an important function in the national economy and the Riksbank has the task of ensuring that it is possible to make payments safely and efficiently.

The Riksbank’s responsibility for payments

12/03/2026 -

The Riksbank’s responsibility for payments The Riksbank’s objective is for payments in Sweden to be safe, efficient and accessible. Payments shall also function in peacetime crisis situations and states of heightened alert. The payments market...

Payments & cash / Payments Report

How safe, efficient and accessible are payments?

12/03/2026 -

How safe, efficient and accessible are payments? Payments in Sweden are generally safe, efficient and accessible. Digitalisation has made them more convenient and secure, but at the same time more vulnerable to disruptions and interruptions in...

Payments & cash / Payments Report

Developments in the payments market

12/03/2026 -

Developments in the payments market The pace of change on the payments market is rapid and new ways of paying are constantly emerging. This is also contributing to the modernisation and transformation of the underlying payment infrastructure. At...

Payments & cash / Payments Report

Published about the Riksbank’s balance sheet

12/03/2025 -

This page collects information published by the Riksbank about the Riksbank’s balance sheet.

Statistics / Riksbank's balance sheet

New services in the payments market

12/03/2026 -

New services in the payments market At the same time as the infrastructure behind the market is being modernised, technology continues to change the way we pay, with both new and established actors launching new types of payment services. New...

Payments & cash / Payments Report

Instant payments are efficient but the supply is limited and they come with risks that need to be managed

12/03/2026 -

Instant payments are efficient but the supply is limited and they come with risks that need to be managed Instant payments mean that the money arrives in the payee's account within seconds. These types of payment are efficient and have many...

Payments & cash / Payments Report

Stablecoins – a type of crypto-asset that has become regulated private money

12/03/2026 -

Stablecoins – a type of crypto-asset that has become regulated private money Crypto-assets, or crypto-currencies, emerged with the creation of Bitcoin in 2009. Bitcoin has no central issuer, nor are there any assets backing a Bitcoin’s value. It...

Payments & cash / Payments Report

Tokenisation of money and assets

12/03/2026 -

Tokenisation of money and assets Tokenising money can have various benefits. For example, tokens can be programmed with rules, allowing transactions to be automatic and conditional. It can create new business models as the issuance of money is...

Payments & cash / Payments Report

Central bank reserves play an important role in the payment system

12/03/2026 -

Central bank reserves play an important role in the payment system The ability of private companies such as banks and e-money institutions to issue money helps create competition, innovation and a wide range of services in the financial system.

Payments & cash / Payments Report