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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...
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...
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...
Published about the Riksbank’s balance sheet
12/03/2025 -This page collects information published by the Riksbank about the 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...
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...
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...
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...
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.