Klarna Kosma
Klarna Kosma is the Open Banking platform spun out of Klarna in March 2022 as a dedicated sub-brand and business unit. Built on the connectivity infrastructure Klarna originally created for SOFORT, Kosma offers a single PSD2 XS2A API that aggregates more than 15,000 banks across 27 European and UK markets with >95% per-market coverage. The platform exposes Account Information Services (AIS) and Payment Initiation Services (PIS) plus higher-level products — Kosma Insights (categorised transaction, income, and affordability data across 200+ categories), Kosma KYC (account ownership and identity verification), and Kosma Payments (white-labeled account-to-account bank transfers). Kosma serves banks, lenders, fintechs, merchants, SMEs, and freelancers, and also powers Klarna's own BNPL underwriting and SOFORT bank-transfer rails. The XS2A API is paired with an embeddable XS2A App / JS widget that handles consumer bank selection and Strong Customer Authentication (SCA), and a Consent API that exposes the full PSD2 consent lifecycle.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Klarna Kosma the way a machine reads it — 23 machine-readable artifacts across 6 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Klarna Kosma scores 29.6/100 (emerging), with a separate agent-readiness read of 16/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Klarna Kosma
Each block below is one kind of artifact we hold for Klarna Kosma. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 6
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Klarna Kosma XS2A API
The XS2A API is the server-side endpoint set used by TPPs and merchants to create and control Open Banking sessions and flows under PSD2. The XS2A API drives Account Information...
Klarna Kosma Auth API
The Auth API is the client-session companion to the XS2A API. Whenever the Open Banking flow requires consumer interaction (bank selection, strong customer authentication, multi...
Klarna Kosma Consent API
The Consent API exposes the PSD2 consent lifecycle so TPPs can list, inspect, refresh, and revoke the consents granted by Payment Service Users (PSU). PSD2 obliges Klarna Kosma ...
Klarna Kosma Insights API
Kosma Insights turns raw Open Banking transaction data into categorised spend, income, and affordability signals. Insights covers 200+ spend categories and surfaces income strea...
Klarna Kosma KYC API
Kosma KYC layers account ownership and identity verification on top of the Kosma AIS connectivity. It confirms that the consumer authenticating against their bank is the legitim...
Klarna Kosma Payments API
Kosma Payments is the white-labeled PSD2 Payment Initiation Service (PIS) product. It lets merchants and platforms trigger account-to-account bank transfers directly from a cons...
Features 15
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Scroll within the panel for all 15 ·
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Klarna Kosma — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 4
Portal, sign-up, and the first successful call
Documentation 7
Reference material describing how the API behaves
Scroll within the panel for all 7 ·
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 3
Authentication, authorization, and security posture
Operate 4
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 1
The organization behind the API
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