Klarna (not publicly traded as KLAR is a private company) is projected to lead the US Buy Now, Pay Later (BNPL) market, growing from $18.82 billion in 2023 to $33.38 billion in 2027, outpacing Affirm ($18.93B to $29.51B) and Afterpay ($8.09B to $14.58B). Investors might consider exposure to the BNPL sector through publicly traded companies like Affirm or by monitoring Klarna for future IPO opportunities, especially given its "sharp discount" post-IPO potential.