What is Yumi

Yumi Finance provides buy-now-pay-later (BNPL) and credit infrastructure that partners can embed into checkout and card programs. At a high level:

• Embeddable BNPL: Offer installment plans at checkout via SDKs / gateway integrations.

• Underwriting & risk engine: Evaluates applicants using multiple data sources (on-chain and traditional).

• Financing layer: Capital providers fund the receivables; repayments flow back to them per agreed terms.

• Servicing: Yumi handles repayment scheduling and delinquency workflows with partners.

Value proposition

For merchants / PSPs

• Increase conversion and average order value with installment options.

• Add credit rails without building underwriting, capital markets, or servicing.

• Significantly lower fees compared to web2 alternatives.

For card programs

• Enable credit (not just debit) or add BNPL-style installments to existing cards.

For users

• Split purchases over time with predictable repayment schedules.