The public currently has access to Swedish kronor either as cash, issued by the state, or as digital money, issued by private actors. As the use of cash declines, there is a risk that in the future the public will no longer have direct access to government-issued money, making companies and individuals entirely dependent on private payment solutions.

In response to this development, the Riksbank launched the e-krona project in 2017 to analyse the need for a central bank digital currency. The project has included dialogues with Swedish and international actors, as well as analyses of technical and legal issues. Through the technical e-krona project, the Riksbank has gathered valuable knowledge for future evaluations. The project ended in 2023, and the focus is now on monitoring the global development of digital currencies.