Sezzle is exploring checking accounts, a secured credit card, and an AI shopping assistant as it works toward becoming a super app

Sezzle, the Minneapolis-based buy now, pay later provider, is considering adding a checking account, a secured credit card, post-purchase split payments, and an AI shopping assistant to its mobile app as CEO Charlie Youakim pursues his goal of building a “super app” that gives customers a more complete financial services platform. The moves follow Sezzle's earlier expansion into mobile phone plans ranging from $30 to $50 per month, and its heavy push into subscriptions since mid-2025, with 700,000 active subscribers at the end of 2025 who tend to have higher transaction volumes and deeper engagement than non-subscribers. Sezzle is also exploring an industrial loan company charter, likely through the state of Utah, though Youakim acknowledged approval is unlikely this year, and the company's stock has climbed roughly 59% over the past year, making Youakim, who holds a 43% stake, a billionaire.