# Klarna Kosma Insights API

**Canonical:** https://apis.io/apis/klarna-kosma/klarna-kosma-insights-api/  
**Provider:** Klarna Kosma — https://apis.io/providers/klarna-kosma/  
**Base URL:** https://api.openbanking.klarna.com  
**Documentation:** https://docs.openbanking.klarna.com/acin/quick-start-insights.html

Klarna Kosma Insights API is one of 6 APIs that [Klarna Kosma](https://apis.io/providers/klarna-kosma/) publishes on the [APIs.io](https://apis.io/) network. Tagged areas include Open Banking, Categorization, Insights, Income Verification, and Affordability. The published artifact set on APIs.io includes API documentation.

Kosma Insights turns raw Open Banking transaction data into categorised spend, income, and affordability signals. Insights covers 200+ spend categories and surfaces income streams, recurring outflows, and account-holder cash-flow patterns. It is the AIS-derived data product behind Klarna BNPL underwriting and the same product Kosma offers externally to lenders, fintechs, and merchants for ID verification, income verification, and risk decisioning.

## Machine-readable artifacts (1)

- **Documentation** — https://docs.openbanking.klarna.com/acin/quick-start-insights.html

## Other Klarna Kosma APIs (5)

- [Klarna Kosma XS2A API](https://apis.io/apis/klarna-kosma/klarna-kosma-xs2a-api/)
- [Klarna Kosma Auth API](https://apis.io/apis/klarna-kosma/klarna-kosma-auth-api/)
- [Klarna Kosma Consent API](https://apis.io/apis/klarna-kosma/klarna-kosma-consent-api/)
- [Klarna Kosma KYC API](https://apis.io/apis/klarna-kosma/klarna-kosma-kyc-api/)
- [Klarna Kosma Payments API](https://apis.io/apis/klarna-kosma/klarna-kosma-payments-api/)

## Tags

Open Banking, Categorization, Insights, Income Verification, Affordability

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/klarna-kosma/klarna-kosma-insights-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/klarna-kosma/.