KLAR (Klarna), a leading buy-now-pay-later fintech provider, undergoes rigorous Shariah screening revealing mixed compliance. While debt levels are low across standards, liquidity exceeds AAOIFI thresholds, and interest income slightly surpasses permissible limits, leading to non-compliance under strict global benchmarks. Business activities in conventional financing raise qualitative concerns, though regional views vary. No inclusion in major Shariah indices confirms overall non-compliance, with purification required for any impure income. Investors should monitor fintech evolution for potential Shariah-compliant restructuring.