Openpay Pty Ltd. have officially entered the US payments market with the most flexible installment plans in the market as a differentiated Buy Now Pay Later product: 'Buy now, Pay smarter. US demand for BNPL options continues to rise, with forecasted transactions expected to exceed $100 billion in 2021. Recent research from PYMNTS.com shows that 8 in 10 consumers would prefer to make high-value purchases using BNPL over personal loans or credit cards. With Opy, US consumers now have a better version of BNPL that offers customized payment plans with spending power for up to $20,000 with longer terms of up to 24 months, enabling consumers to budget better and pay smarter. Opy partners with leading aggregators and key merchants to provide a meaningful difference in a consumer's life. Opy provides consumers with a flat fee BNPL product with predictable payments designed for larger purchases and comes with longer terms, up to 24 months. Targeted industry verticals include healthcare, dental and veterinarian services, education, home improvement, auto repair and servicing, and big-ticket retail. To ensure US success, Opy has completed its strategic launch plan, setting the stage for Opy's growth within the largest market in the world. Opy assembled an unmatched leadership team in US fintech that has decades of experience in payments, banking, fintech, regulatory, and retail. Opy has Americanized its global platform, accelerating BNPL access to US consumers through its partnership with Cross River Bank (CRB). The relationship enables Opy to offer closed-end consumer loans up to $20,000 with terms up to 24 months with a mix of responsible consumer fees and flexible merchant fees. Opy is funded by Goldman Sachs and Atalaya Capital Management and their $271.4 million-dollar receivables warehouse facility triples Openpay's credit facilities to support its US scale. This funding will enable Opy to take advantage of established and efficient capital markets and offer affordable products with reasonable financing rates for US consumers. In its partnership with Experian, Opy has tailor-made risk solutions for the US with customized decision tools for the US Market. The partnership enables Opy to manage risk, guide consumers to make better financial decisions, and extend low-cost, more affordable, and transparent loans to a greater number of consumers. At launch, Opy broadened its footprint in the US healthcare market, serving more than 2,500 healthcare providers in partnership with PatientNow and additionally, became the first BNPL provider to be partnered into a cloud-based platform for veterinarian care with ezyVet. With ezyVet, Opy's OpyPay product will be distributed through ezyVet's leading practice management platform and will feature full-scale integration with partner practices to deliver Opy's flexible payment plans. With PatientNow, Opy's OpyPay product will be distributed through PatientNow's leading practice management platform, providing immediate access to the healthcare market to support elective and life-changing procedures. Additionally, Opy will be the first US BNPL to offer Pay-by-Text via its partnership with Everyware.