
Klarna
CeFi
Status
What is Klarna?
Klarna is a Swedish-founded global fintech company operating as a digital bank and payments provider in the US, specializing in buy now, pay later (BNPL) services that allow shoppers to split purchases into flexible, often interest-free installments at thousands of partner retailers and beyond.
Core offerings include:
"Pay in 4" (interest-free over four bi-weekly payments),
"Pay in 30 days"
immediate "Pay Now"
longer-term financing (with 0%-35.99% APR and service fees, subject to credit approval and issued by WebBank).
The Klarna app serves as a one-stop shopping hub for price comparisons, deal discovery, order tracking, cashback earning (via a Klarna balance account), and virtual one-time cards for using BNPL anywhere Visa is accepted, with integrations like Apple Pay and partnerships including major brands like Walmart, Macy's, and Brookfield Properties.
Additionaly, Klarna has U.S. dollar-backed stablecoin - KlarnaUSD.
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