This week on Five Point Friday include, Klarna and Block slam outdated United Kingdom buy-now-pay-later regulation proposals, Lemon8, the sibling app of TikTok is steadily growing, Venmo will soon enable its customers to transfer cryptocurrency, South-Korea fintech Kakao Pay acquired a 19.9% stake in US broker Siebert, and Apple to allow links to outside App Store payments. Okay, lets begin!