Klarna @Klarna is a Swedish fintech company founded in 2005, primarily offering “Buy Now, Pay Later” (BNPL) services. It has grown into a global payment and shopping network, covering over 150 countries with more than 150 million active users. In recent years, Klarna has actively embraced AI and blockchain technology: AI Transformation: Starting in early 2024, Klarna launched an AI assistant based on OpenAI, handling the workload equivalent to 700-853 full-time employees across customer service, refunds, financial advice, and more. This saved the company approximately $60 million in costs while maintaining customer satisfaction. The AI assistant supports 35+ languages, operates 24/7, and processes 1.3 million conversations per month. Financial Performance: The Q3 2025 financial report shows revenue reaching $903 million, a 23% year-over-year increase, with U.S. market revenue growing by 51%. Klarna recently went public (ticker: KLAR) and secured a $6.5 billion financing deal with Elliott Investment Management to support its “fair financing” expansion. Blockchain Strategy: KlarnaUSD marks Klarna’s first foray into the crypto space, signaling its transition from traditional payments to Web3. The Tempo blockchain, developed by Stripe (a payment giant) and Paradigm (a crypto investment firm), focuses on efficient payments. Bridge likely refers to a cross-chain bridging tool for asset transfers.