This is SO dirty. Klarna uses that money in lending operations. Here's the breakdown: Paid to you if deposited in high-yield account: * 3% If you bought their bond instead: * 10.5% Average they earned on dollars lent last year: * 28.55% The "high-yield" account is a scam to get retail to lend their money to the highest risk credit users, while Klarna pockets 25%, instead of splitting it with sophisticated investors who understand the risk.(Adam Cochran (adamscochran.eth))