Klarna在$ 15B US IPO之前整合加密货币服务

该公司目前为全球超过8500万用户提供服务，并处理约1000亿美元的交易量。

Klarna, a Swedish fintech company, has announced plans to integrate cryptocurrency services into its platform ahead of its anticipated $15 billion initial public offering (IPO) in the United States, which is expected to take place by April 2025.

瑞典金融科技公司克拉纳（Klarna）已宣布计划将加密货币服务整合到其平台上，以与预计在美国预计的150亿美元首次公开募股（IPO）之前，预计将于2025年4月进行。

The company's CEO, Sebastian Siemiatkowski, revealed the plans in a post on X, formerly known as Twitter, on February 10, 2025. "Ok. I give up. Klarna and me will embrace crypto! More to come," Siemiatkowski wrote in the post.

该公司的首席执行官Sebastian Siemiatkowski于2025年2月10日在X上的一篇帖子（以前称为Twitter）的帖子中揭示了这些计划。邮政。

Klarna currently boasts over 85 million users globally and processes around $100 billion in transaction volume annually. Its merchant network spans over 500,000 partners, and 30% of its volume is generated through debit rather than credit transactions.

克拉纳目前拥有全球超过8500万用户，每年处理约1000亿美元的交易量。它的商户网络涵盖了超过500,000个合作伙伴，其数量的30％是通过借方而不是信贷交易产生的。

This move marks a shift in direction for Siemiatkowski, who had previously expressed caution regarding cryptocurrency. In April 2021, during an interview with CNBC, he stated, "There's a lot of promise in cryptocurrencies, but at the same time, I'm deeply worried that the big risk is like when my cab driver is asking me if he should invest in Bitcoin."

此举标志着Siemiatkowski的方向转变，Siemiatkowski先前曾表示对加密货币的谨慎。 2021年4月，在接受CNBC采访时，他说：“加密货币有很多希望，但与此同时，我非常担心大风险就像我的出租车司机在问我是否应该投资时在比特币中。”

Following the announcement, Siemiatkowski reached out to the cryptocurrency community for suggestions on implementation strategies. He credited three entrepreneurs, introduced by Sequoia Capital's Andrew Reed, for helping change his perspective on cryptocurrency's potential.

宣布后，西米亚特科夫斯基（Siemiatkowski）与加密货币社区联系了有关实施策略的建议。他赞扬了由红杉资本的安德鲁·里德（Andrew Reed）提出的三位企业家，以帮助改变他对加密货币潜力的看法。

Circle's Chief Product and Technology Officer, Nikhil Chandhok, proposed that Klarna could implement stablecoin settlements for merchant transactions to improve processing speed and cash flow. He also suggested integrating crypto wallets to enable direct cryptocurrency payments for Klarna purchases.

Circle的首席产品和技术官Nikhil Chandhok提出，Klarna可以实施商户交易的Stablecoin和解，以提高处理速度和现金流量。他还建议整合加密钱包，以启用Klarna购买的直接加密货币付款。

CoinList CEO Raghav Gulati recommended allowing payments with stablecoins on low-cost networks like Solana. He also suggested that Klarna consider holding Bitcoin in its treasury as a hedge against inflation.

共同列表首席执行官拉加夫·古拉蒂（Raghav Gulati）建议在索拉纳（Solana）等低成本网络上向稳定币付款。他还建议克拉纳（Klarna）将比特币在国库中持有，以防通货膨胀。

The timing of this decision aligns with Klarna's preparations for its US IPO. The listing, expected to be one of the largest of 2025, targets a valuation of up to $15 billion.

这一决定的时机与克拉纳为美国IPO的准备工作保持一致。该清单预计将是2025年最大的清单之一，其估值高达150亿美元。

Klarna's journey began in 2005, and over the years, it has become Europe's most valuable startup. In 2021, a fundraising round valued the company at $46 billion. This prior success in traditional financial technology bodes well for its expansion into cryptocurrency services.

克拉纳（Klarna）的旅程始于2005年，多年来，它已成为欧洲最有价值的创业公司。 2021年，一场筹款活动将该公司的价值为460亿美元。在传统金融技术中的这种先前的成功非常适合将其扩展到加密货币服务。

The company's vast user base and established merchant network could provide immediate scale for any cryptocurrency features it implements. These could include integrating cryptocurrency as a payment option, enabling merchants to accept digital currency payments, or developing a built-in cryptocurrency wallet.

公司的庞大用户群和​​已建立的商户网络可以为其实施的任何加密货币特征提供立即规模。这些可能包括将加密货币作为付款方式集成，使商人能够接受数字货币支付或开发内置的加密货币钱包。

Frank Schuil, co-founder and chairman of Nordic cryptocurrency exchange Safello AB, provided context by pointing out that Klarna processed $96 billion in gross merchandise value (GMV) in 2023.

北欧加密货币交易所AB AB的联合创始人兼董事长弗兰克·舒尔尔（Frank Schuil）指出，克拉纳（Klarna）在2023年处理了960亿美元的总商品价值（GMV）。

The integration of cryptocurrency services adds to Klarna's existing financial technology offerings, which include buy-now-pay-later services and traditional payment processing. The company's infrastructure, which handles billions in transactions annually, positions it to process large volumes of digital asset transactions once integration is complete.

加密货币服务的集成增加了克拉尔纳现有的金融技术产品，其中包括购买 - 付费税服务和传统的付款处理。该公司每年处理数十亿笔交易的基础架构将其定位为一旦整合完成，就可以处理大量数字资产交易。

However, technical details about the cryptocurrency integration remain undisclosed. The company has not announced specific features or launch dates for the new services.

但是，有关加密货币集成的技术细节仍然没有公开。该公司尚未宣布针对新服务的特定功能或发布日期。

The planned IPO will take place on a US exchange, though the specific exchange has not been announced. This listing will make Klarna one of the largest financial technology companies to go public in 2025.

计划的IPO将在美国交易所进行，尽管尚未宣布特定的交易所。该清单将使克拉纳成为2025年公开的最大金融技术公司之一。