Cairo-based fintech Klivvr has received final approval from Egypt’s Financial Regulatory Authority (FRA) to launch its Buy Now, Pay Later (BNPL) product. The move signals a major step forward for the startup as it looks to broaden credit access for Egyptians through its all-in-one financial app.

The BNPL service will allow users to split purchases over time with flexible credit limits—whether shopping online or in-store. It’s designed to be paperless, instant, and fully integrated into the Klivvr app.

“We believe financial empowerment starts with access and control,” said Nils Bachtler, CEO of Klivvr. “Our BNPL product was built to be human-first, designed to give users clarity, flexibility, and trust in every transaction.”

The approval comes at a time when demand for installment-based solutions in Egypt is surging, driven by rising living costs and a growing appetite for flexible payment options.

Klivvr’s solution aims to make credit both accessible and transparent. The app will provide users with instant approvals, personalized limits, and a clear view of how credit impacts their financial health.

“This is a turning point—not just for Klivvr, but for the future of lending in Egypt,” Bachtler added.

According to Omar Sherif, CTO of Klivvr, the BNPL feature is not an add-on—it’s baked into the app’s infrastructure. “From real-time credit scoring to frictionless app experiences, everything is built to scale responsibly while putting users in the driver’s seat,” he said.

The service will roll out gradually across Klivvr’s merchant network, with full access available to users later in 2025.

With this move, Klivvr is positioning itself as a major player in Egypt’s digital lending space. “BNPL adds a new layer to Klivvr’s revenue model while offering users unmatched value,” said CFO Bassem Youssef. “We’re entering a new phase of responsible, data-driven growth.”

Founded to help users spend smarter, save better, and borrow seamlessly, Klivvr now adds flexible credit to its suite of tools—pushing further into the future of consumer finance in Egypt.