Klarna said Monday it applied to federal and state regulators to create Klarna Bank USA, an FDIC-insured institution in Utah. If approved, the move would let the Swedish fintech offer loans, deposits and broader financial services through its own bank, reducing reliance on third-party partners and bringing more of its operations in-house. The filing adds to a broader shift among fintech firms toward owning bank charters rather than depending solely on partner banks. CNBC also said Klarna launched the stablecoin KlarnaUSD late last year and has reportedly worked with Stripe-owned wallet infrastructure platform Privy on a crypto wallet aimed at mainstream users.