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

# BNPL App

How would you use valuepools' features to build a BNPL app like Klarna?

To build an app like that, you would need the following features:

* An ability to gauge user's trustworthiness
* An ability to lend to users so they can buy items on the marketplace
* An ability to reimburse loans