“We are currently in advanced stages of establishing business relationships with a second bank partner in the United States, through which we expect to offer our Fair Financing products in that market, and with a second payment network, on which we plan to issue the Klarna card in select markets,” Klarna said in the filing. “We expect that, as a result of these negotiations, we will enter into a binding agreement with the relevant partner in the first quarter and second half of 2025, respectively.”

https://www.bloomberg.com/news/articles/2025-03-14/klarna-files-publicly-for-us-ipo-disclosing-24-revenue-jump?sref=EcccZSTc