While traditional financial institutions refuse to provide credit for adult products, Klarna's AI-powered risk management model has discovered a promising market. By analyzing alternative data such as utility bill payment records, the system offers a $2,500 credit limit for users with credit scores below 550. The delinquency rate is projected to be only 5.7% in 2023, far below the credit card average of 17%. A key design feature is the torso sex doll collateral clause: the joint system can be remotely locked in the event of default, and the Klarna sex doll can be recycled, refurbished, and then resold. This risk management allows marginalized groups to gain financial identity. Jose, a Mexican immigrant, said, "This is my first credit card."
