Kivra

Kivra began as Sweden's national digital mailbox, displacing physical postal delivery for government, bank, and corporate communications. Over time it expanded from pure document delivery into an active financial hub — enabling bill payment via open banking (Tink), recurring payments via Autogiro (Trustly), and installment/flexible payment options for businesses. It now operates as a billing and payments super-app for millions of Swedish consumers and a distribution platform for businesses, with an API-first approach allowing accounting systems and senders to integrate natively.