Instruments

Swedish company Klarna is one of the biggest pioneers in the “Buy Now, Pay Later” (BNPL) space, which allows customers to shop immediately and pay later in several interest-free instalments. During the pandemic, when online sales were booming, Klarna experienced explosive growth, with its valuation soaring to as much as $45 billion.* However, the situation has changed since then. The market has cooled, and the expected IPO valuation is now in the range of $13–14 billion. [1]

When people hear the term “shared transportation,” most imagine Uber, Bolt, or Lyft. Less well-known, however, is the American company Via Transportation, which demonstrates that the future of mobility doesn’t have to be only about mobile apps—it can also be about better-functioning public transit. The company develops software that helps cities and municipalities organize shared transportation—whether it’s school buses, city minibuses, or specialized transit for seniors and people with disabilities.

The cryptocurrency market is known for offering significant opportunities, but also substantial risks. Gemini, the exchange founded by the Winklevoss brothers, has positioned itself from the outset as a platform aiming to bring order, regulation, and security to the crypto world. While other exchanges attracted customers through aggressive marketing, Gemini focused on regulatory compliance and building trust.