{"componentChunkName":"component---src-templates-post-js","path":"/szwecja-chce-wrocic-do-pomyslu-cyfrowej-korony-co-planuje-riksbank/","result":{"data":{"mysqlPost":{"id":"mysql__Post__95338","ID":95338,"post_date":"2026-10-27T11:30:49.000Z","post_modified":"2026-10-27T11:32:33.000Z","lead":"W obliczu rozwoju cyfrowego euro, stablecoinów oraz zagrożeń geopolitycznych Sztokholm nie wyklucza powrotu do projektu e-korony.","post_content":"<p>Szwecja należy do najbardziej bezgotówkowych krajów na świecie. Według badania Riksbanku przeprowadzonego na początku 2026 roku zaledwie 5 proc. ankietowanych Szwedów zapłaciło gotówką podczas ostatniego zakupu. Płatności kartami i cyfrowymi portfelami stały się dominującym elementem codziennego życia.</p><h2 style=\"text-align: left;\">Szwecja chce wrócić do pomysłu cyfrowej korony. Co planuje Riksbank?</h2><p>W 2023 roku rządowa analiza wskazywała, że Szwecja nie potrzebuje pilnego wdrożenia e-korony. Obecnie jednak Riksbank zachęca parlament do ponownego przyjrzenia się tej kwestii. Wiceprezes banku centralnego Per Jansson podkreślił w rozmowie z <a href=\"https://www.reuters.com/business/finance/swedish-central-bank-revives-e-krona-debate-digital-euro-stablecoin-threat-grows-2026-10-22/\" target=\"_blank\" rel=\"noopener nofollow\">Reutersem</a>, że w społeczeństwie niemal pozbawionym gotówki cyfrowa dostępność krajowej waluty ma szczególne znaczenie.</p><p>Jeżeli gotówka będzie stopniowo zastępowana przez płatności cyfrowe, a korona nie będzie dostępna w równie wygodnej formie, może mieć trudności z konkurowaniem z instrumentami płatniczymi umożliwiającymi szybkie transakcje, również w skali międzynarodowej.</p><p>Jednym z najważniejszych czynników wpływających na zmianę stanowiska Riksbanku są postępy prac nad cyfrowym euro. <a href=\"https://fintek.pl/ebc-wybral-banki-i-fintechy-ktore-przetestuja-cyfrowe-euro-pilotaz-juz-w-2027-roku/\">Europejski Bank Centralny rozważa wprowadzenie cyfrowej wersji wspólnej waluty, a jej uruchomienie może nastąpić w 2029 roku</a>. Cyfrowe euro mogłoby stać się kolejnym narzędziem płatniczym wykorzystywanym w transakcjach krajowych i transgranicznych, zwiększając atrakcyjność waluty dostępnej w nowoczesnej formie elektronicznej.</p><p><a href=\"https://fintek.pl/mica-i-stablecoiny-banki-centralne-ue-chca-zmian-w-przepisach/\">Dodatkową presję wywierają stablecoiny</a>, czyli kryptowaluty zaprojektowane tak, aby utrzymywać stabilną wartość, najczęściej poprzez powiązanie z dolarem amerykańskim. W liście skierowanym w październiku do szwedzkich parlamentarzystów Riksbank wskazał, że rozwój stablecoinów może wpływać na międzynarodową konkurencyjność korony.</p><p>Jeśli użytkownicy coraz częściej będą wybierać cyfrowe instrumenty oparte na innych walutach, znaczenie korony w płatnościach może stopniowo maleć. Taki scenariusz stanowiłby wyzwanie dla banku centralnego, który odpowiada za prowadzenie polityki pieniężnej i ochronę stabilności finansowej kraju.</p><p>Coraz większe znaczenie ma również odporność systemu płatniczego na sytuacje kryzysowe. W obliczu napięć geopolitycznych, cyberzagrożeń i ryzyka przerw w dostawach energii Szwecja traktuje bezpieczeństwo infrastruktury finansowej jako część strategii obrony państwa – podaje Reuters.</p><p>Niedawno pisaliśmy, że <a href=\"https://fintek.pl/banki-centralne-traca-zapal-do-cbdc-cyfrowe-euro-nadal-w-planach/\">cyfrowe waluty banków centralnych tracą na popularności – coraz więcej krajów rezygnuje z tego pomysłu</a>. Jeśli Szwedzi faktycznie rozpoczęliby prace nad e-koroną, działaliby nieco pod prąd. Mimo ponownego otwarcia dyskusji Riksbank nie opowiedział się jednak za wprowadzeniem cyfrowej korony. Ostateczna decyzja należy do szwedzkiego parlamentu.</p>\n","post_title":"Szwecja wraca do pomysłu cyfrowej korony. Powodem m.in. coraz większa rezygnacja z gotówki","post_excerpt":"Szwedzki bank centralny ponownie apeluje do parlamentu o rozważenie wprowadzenia cyfrowej korony. W obliczu rozwoju cyfrowego euro, rosnącej popularności stablecoinów oraz zagrożeń geopolitycznych Sztokholm zastanawia się, jak zapewnić krajowej walucie silną pozycję w coraz bardziej cyfrowej gospodarce.","post_name":"szwecja-chce-wrocic-do-pomyslu-cyfrowej-korony-co-planuje-riksbank","nofollow":0,"postterms":[{"term_id":8,"name":"Najnowsze wiadomości ze świata Fintechu","slug":"aktualnosci","parent_slug":null},{"term_id":10768,"name":"Sektor Fintech","slug":"fintech","parent_slug":"aktualnosci"},{"term_id":11480,"name":"Digital Euro","slug":"digital-euro","parent_slug":"aktualnosci"}],"author":{"display_name":"Gabriela Wojtulewicz","user_nicename":"gabriela-wojtulewicz","mysqlImage":{"childImageSharp":{"fluid":{"base64":"data:image/jpeg;base64,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","aspectRatio":1,"src":"/static/98ca8cd08a1fcb39085b48bd8db3e8b8/b315d/image.jpg","srcSet":"/static/98ca8cd08a1fcb39085b48bd8db3e8b8/d0f88/image.jpg 25w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/99438/image.jpg 50w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/b315d/image.jpg 100w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/dcd9a/image.jpg 150w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/8295c/image.jpg 200w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/cfbc8/image.jpg 512w","srcWebp":"/static/98ca8cd08a1fcb39085b48bd8db3e8b8/ff02b/image.webp","srcSetWebp":"/static/98ca8cd08a1fcb39085b48bd8db3e8b8/8d998/image.webp 25w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/48562/image.webp 50w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/ff02b/image.webp 100w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/1c591/image.webp 150w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/a4d7d/image.webp 200w,\n/static/98ca8cd08a1fcb39085b48bd8db3e8b8/95882/image.webp 512w","sizes":"(max-width: 100px) 100vw, 100px"}}}},"postmetas":[{"meta_key":"_yoast_wpseo_primary_category","meta_value":"10768"},{"meta_key":"wpcf-top-kategoria","meta_value":"0"},{"meta_key":"wpcf-wstep","meta_value":"W obliczu rozwoju cyfrowego euro, stablecoinów oraz zagrożeń geopolitycznych Sztokholm nie wyklucza powrotu do projektu e-korony."},{"meta_key":"wpcf-bez-obrazka","meta_value":"0"},{"meta_key":"_yoast_wpseo_newssitemap-exclude","meta_value":"off"},{"meta_key":"_yoast_wpseo_newssitemap-genre","meta_value":"a:0:{}"},{"meta_key":"_yoast_wpseo_newssitemap-standout","meta_value":"off"},{"meta_key":"_yoast_wpseo_newssitemap-editors-pick","meta_value":"off"},{"meta_key":"_yoast_wpseo_focuskw","meta_value":"Szwecja cyfrowa korona"},{"meta_key":"_yoast_wpseo_title","meta_value":"Szwecja chce wrócić do pomysłu cyfrowej korony. 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