Digital currencies and fintech

Learn more about our ongoing work on digital currencies. This includes research on a Canadian central bank digital currency (CBDC) and on financial technology (fintech).

Research

Understanding the benefits and risks of digital currencies and electronic payments is important. That’s because they could affect our core functions as a central bank.

For the past few years, we have researched both private and central bank digital currencies, including uses of distributed ledger technology.

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Projects

How Canadians use money and make payments is constantly evolving.

To adapt to these changes, we’re working on a number of projects and consulting stakeholders. This includes building capacity to issue a digital Canadian dollar (or central bank digital currency, CBDC) should the need arise.

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Collaboration on the regulatory agenda

Managing the benefits and risks of fintech and digital currencies through a global regulatory framework is essential.

The Bank of Canada contributes to this agenda through its work with the Financial Stability Board, the International Monetary Fund, the Committee on Payments and Market Infrastructures and the Basel Committee on Banking Supervision.

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Speeches, panels and presentations

December 16, 2025

Good money and your central bank

Remarks Tiff Macklem The Chamber of Commerce of Metropolitan Montreal Montréal, Quebec
Governor Tiff Macklem discusses the Bank of Canada’s role in ensuring the stability of money in all its forms, from currency to digital payments. He also outlines how keeping inflation low and stable ensures Canadian money retains its purchasing power.
Content Type(s): Press, Speeches and appearances, Remarks Research Topic(s): Bank notes, Cryptoassets, Cryptocurrencies, Digital currencies and fintech, Financial institutions, Financial services, Financial system regulation and policies, Monetary policy framework, Payment clearing and settlement systems, Retail payments supervision
December 16, 2025

Money you can count on

Speech summary Tiff Macklem The Chamber of Commerce of Metropolitan Montreal Montréal, Quebec
Governor Tiff Macklem discusses the Bank of Canada’s role in ensuring Canadians can trust their money in all its forms.
Content Type(s): Press, Speeches and appearances, Speech summaries Research Topic(s): Bank notes, Cryptoassets, Cryptocurrencies, Digital currencies and fintech, Financial institutions, Financial services, Financial system regulation and policies, Monetary policy framework, Payment clearing and settlement systems, Retail payments supervision
September 18, 2025

Making change—Accelerating payments innovation

Remarks Ron Morrow CPA The One conference Ottawa, Ontario
Ron Morrow, Executive Director of Payments, Supervision and Oversight, talks about innovations in the payments ecosystem. He also highlights the Bank’s new role as supervisor of payment service providers.
Content Type(s): Press, Speeches and appearances, Remarks Research Topic(s): Cryptocurrencies, Digital currencies and fintech, Financial system regulation and policies, Payment clearing and settlement systems, Retail payments supervision

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