The user is asking for clarification on the business model of "buy now, pay later with 0 interest" schemes. This indicates a potential interest in or skepticism about the BNPL (Buy Now, Pay Later) sector. While no specific tickers or actionable advice are given, the conversation suggests a general inquiry into the sustainability or profitability of companies like Affirm ($AFRM), Block ($SQ) (which owns Afterpay), or PayPal ($PYPL) (which offers BNPL services). Investors might want to research how these companies generate revenue despite offering 0% interest to consumers.