Enable BNPL for UAE-registered merchants selling to US consumers

Enable BNPL for UAE-registered merchants selling to US consumers targets a $60B = $1.0T US e-commerce x 6% BNPL penetration. This is estimated annual BNPL spend available in US online retail. total addressable market with medium saturation and a year-over-year growth rate of BNPL penetration in US e-commerce growing ~20-30% YoY depending on category, cross-border e-commerce growing ~8-12% YoY.

Key trends driving demand: BNPL growth in US -- rising buyer preference for installments increases conversion lift for merchants, raising demand for access to BNPL.; Shopify and marketplace expansion -- more non-US SMBs selling to US customers use Shopify and need native BNPL checkout options.; Payment facilitator evolution -- Stripe, Adyen and others provide easier onboarding routes and partner integrations that enable third-party BNPL routing.; Merchant-of-record acceptance -- marketplaces and platforms increasingly assume payment and compliance responsibilities, making third-party BNPL acceptance feasible..