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Klarna Kosma is the Open Banking platform spun out of Klarna in March 2022 as a dedicated sub-brand and business unit. Built on the connectivity infrastructure Klarna originally created for SOFORT, Kosma offers a single PSD2 XS2A API that aggregates more than 15,000 banks across 27 European and UK markets with >95% per-market coverage.

  • Updated Aug 4, 2026

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