The launch positions Klarna as the first bank to deploy a stablecoin on Tempo, a new payments-focused blockchain developed by Stripe and Paradigm. The company said the move reflects rising demand for low-cost digital settlement rails, citing McKinsey estimates showing stablecoin transactions exceeding $27 trillion annually.

Klarna views the sector as poised to compete with traditional networks before the decade ends. Klarnausd is issued using Open Issuance by Bridge, a Stripe-owned stablecoin infrastructure provider. The stablecoin is currently live on Tempo’s testnet, giving Klarna early access for integration and internal testing ahead of a public mainnet launch planned for 2026.

Klarna noted the rollout deepens its long-standing relationship with Stripe, which already powers payments infrastructure across 26 of Klarna’s markets.

CEO Sebastian Siemiatkowski said Klarna’s scale — including 114 million customers and $112 billion in annual gross merchandise volume — allows the company to challenge legacy systems. According to Klarna, cross-border payments currently generate an estimated $120 billion in annual fees, representing a significant cost burden that blockchain-based rails could reduce.

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Klarnausd represents the company’s first publicly disclosed crypto initiative, with additional partnerships expected to be announced in the coming weeks. The firm said it views blockchain-based tools as a natural extension of its digital banking and payments products.

Founded in Sweden, Klarna operates as a global digital bank and fintech provider, offering installment payment options, shopping tools, and a branded card. The company claims to serve more than 100 million users and partners with hundreds of thousands of retailers worldwide.

• What is klarnausd?
  Klarnausd is Klarna’s new U.S. dollar-backed stablecoin built for faster, lower-cost payments.
• When will klarnausd be available?
  Klarna plans a full mainnet launch on Tempo in 2026.
• Which blockchain powers klarnausd?
  Klarnausd runs on Tempo, a payments-focused chain developed with Stripe and Paradigm.
• Why is Klarna launching a stablecoin?
  Klarna aims to cut cross-border fees and modernize its global payments network using blockchain technology.

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