> For the complete documentation index, see [llms.txt](https://docs.payswap.org/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.payswap.org/bahasa-indonesia/use-cases/valuepools/bnpl-app.md).

# Aplikasi BNPL

Bagaimana Anda akan menggunakan fitur-fitur valuepools untuk membangun aplikasi BNPL seperti Klarna?

Untuk membangun aplikasi seperti itu, Anda akan membutuhkan fitur-fitur berikut:

* Kemampuan untuk menilai kepercayaan pengguna
* Kemampuan untuk memberikan pinjaman kepada pengguna sehingga mereka dapat membeli barang di pasar
* Kemampuan untuk mengganti biaya pinjaman


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