licencemap
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Matrix / Sweden

🇸🇪 Sweden

Finansinspektionen-authorised CASP regime with a very thin approvals count — 1 CASP confirmed as of the latest tracker read

Crypto (CASP) E-Money (EMI)
Last verified 2026-07-02 Next review 2026-07-16

Data verified: oldest cell 1 day ago (verified 2026-07-02). Individual cells show their own verification date below.

Licence type

Tillstand att ge ut elektroniska pengar (e-money institution licence) under lagen (2011:755) om elektroniska pengar, transposing EMD2; a lighter-touch registration tier ('registrerad utgivare av elektroniska pengar' for small-scale issuers below EMD2 thresholds) also exists

Verified 2026-07-02 Source: Finansinspektionen: https://www.fi.se/en/payments/apply-for-authorisation/electronic-money/

Regulator

Finansinspektionen (FI, the Swedish Financial Supervisory Authority)

Verified 2026-07-02 Source: Finansinspektionen: https://www.fi.se/en/payments/apply-for-authorisation/electronic-money/

Capital requirement 🔒

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Local substance 🔒

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Application cost 🔒

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Passporting 🔒

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EMIs authorised 🔒

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Key restrictions 🔒

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Safeguarding 🔒

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Recent changes

PSD3 and the PSR will merge the payment institution and EMI regimes into one licence that can issue e-money. Final texts published 23 April 2026, applicability targeted around 2028; existing EMIs are grandfathered but must update their file.

Verified 2026-07-02 Source: EU

Difficulty rating 🔒

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Informational only, not legal advice. Entries marked as placeholder or awaiting verification must not be relied on. Confirm all requirements with Sweden's regulator and qualified local counsel before acting.