5. YOLO now, pay later
What happens if you combine three financial innovations of dubious utility — BNPL, NFTs, and fees in lieu of interest? Answer: Supermojo!
Why it matters: Wherever there's an arena into which mainstream BNPL companies fear to tread, startups will fearlessly enter. Supermojo finances NFTs; Grabagun.com (slogan: "shoot now, pay later") uses a service that helps customers finance guns at fees that can amount to the equivalent of triple-digit interest rates.