Opyn is a FinTech company based in Italy, offering two main services: Opyn Universe and Opyn Pay Later. Opyn Universe is a Lending as a Service platform for banks and financial institutions, enabling digital financial services. Opyn Pay Later provides "Buy Now Pay Later" solutions for B2B companies, allowing flexible, interest-free payments. Their target audience includes financial institutions and B2B companies. The unique selling proposition is their proprietary technology that simplifies financial operations and enhances sales through digital, flexible payment options[1][3][4].