> 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/deutsch/use-cases/valuepools/bnpl-app.md).

# BNPL-App

Wie würden Sie die Funktionen von Valuepools verwenden, um eine BNPL-App wie Klarna zu erstellen?

Um eine solche App zu erstellen, würden Sie folgende Funktionen benötigen:

* Die Fähigkeit, die Vertrauenswürdigkeit des Benutzers einzuschätzen
* Die Fähigkeit, Benutzern Kredite zu gewähren, damit sie Artikel auf dem Marktplatz kaufen können
* Die Fähigkeit, Darlehen zurückzuerstatten


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