Actually that's a good point about the shared director. I was...

Actually that's a good point about the shared director. I was thinking it would either be Humm or Openpay, though I forgot about the Openpay connection. Now that you mention that, it seems like that could well be on the money.

if it wasn't OpenPay or Humm, I guess it could also be Laybuy or perhaps IOU Pay (probably unlikely).
The others like Afterpay, Zip, Splitit, Sezzle already have operations in US.

Then again, the AFR article does say the following:
"Bank challenger Douugh has inked a strategic partnership with an ASX-listed buy now, pay later operator to launch a BNPL product in the United States."

It's possible when it says "BNPL product" it could be a BNPL that already operates in the US that is launching a separate product to their main service. Even still, I think you might be right about it being Openpay.