Shenchao TechFlow news. On July 06, according to CNBC, Swedish payments giant Klarna has filed an application with U.S. federal and state regulators to establish an FDIC-insured bank subsidiary in Utah called “Klarna Bank USA,” enabling Klarna to conduct lending, deposits, and broader financial services through its own banking system. Klarna launched the stablecoin KlarnaUSD toward the end of last year, and it is reportedly collaborating with Privy, Stripe’s wallet infrastructure platform, to jointly develop a crypto wallet for mainstream users.