Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 66 companies across 3 categories.
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Founded in 2005 as a simple invoice-based pay-later tool for Swedish e-commerce, Klarna progressively expanded into a full digital bank after obtaining its banking license in 2017. The company rode the BNPL wave to a $45.6B peak valuation in 2021 before a dramatic down-round in 2022 forced a pivot to profitability and US growth. By 2025 it had IPO'd on NYSE, and by 2026 its embedded finance stack had expanded beyond BNPL to include banking accounts, a Klarna Card, open banking infrastructure sold B2B, insurance, and a capital-light SRT-backed US financing program.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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<img src="https://www.embeddedfinanceindex.com/api/badge/klarna/install" width="1" height="1" alt="" style="display:none">66 companies disclose klarna in their stack in the Embedded Finance Index 2026, including pathway, Passeli, Visma Pay, Pensopay, Money Adviser Network, AMC Theatres, ASOS, Flow, Pabau Clinic Software, Donorbox and 2 others.
klarna is an embedded-finance provider in Lending, PSP and Open Banking. It ranks #2 of 259 Lending providers by disclosed buyers.
klarna has applied for a industrial bank (ilc) charter for Klarna Bank USA with the FDIC / Utah DFI. Status: application filed (2026-07-06).
The most-disclosed Lending alternatives to klarna are Affirm (64 buyers), YouLend (45 buyers), Mambu (36 buyers), Stripe Capital (33 buyers), Wisetack (27 buyers) and Liberis (21 buyers).
klarna was founded by Sebastian Siemiatkowski, Niklas Adalberth and Victor Jacobsson and is founded in 2005, headquartered in Stockholm, Sweden.
klarna has raised ~$6.2B in total.
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