Opyn

The company's business model is centered around providing digital lending solutions to the B2B market, serving clients that include other businesses, banks, and financial institutions. It generates revenue through its Lending-as-a-Service (LaaS) and Buy Now, Pay Later (BNPL) offerings. The platform manages the end-to-end credit process, from loan origination to potential recovery, for its partners, which include asset managers and banks. In early 2024, the company expanded its B2B BNPL service, Opyn Pay Later, to merchants across the European Union, the United Kingdom, and Switzerland.

Opyn provides a suite of technology-driven products. "Opyn Universe" is its LaaS solution, enabling banks, asset managers, and corporations to offer digital financial services using Opyn's technology. "Opyn Pay Later" is a B2B BNPL solution that allows businesses to offer flexible, installment-based payment options to their customers for online, in-store, and remote sales, aiming to improve cash flow and reduce administrative costs for the merchant. The company also offers "Opyn Credit AI," a tool that utilizes artificial intelligence and machine learning to help credit analysts automate repetitive tasks and streamline credit assessments. Another product, "Opyn Insight," is a technology solution designed to optimize decision-making processes such as risk assessment and fraud detection.