What is Yumi

Yumi Finance is a credit infrastructure for buy-now-pay-later (BNPL) and credit payments. We allow partners to embed our solution into checkout and card programs. At a high level, we offer:

• BNPL Payment: Enables installment plans for users at checkout via SDK/API integrations.

• Underwriting & risk engine: Evaluates applicants using multiple data sources (onchain, offchain, and traditional).

• Financing layer: Provides capital to fund the loans; repayments flow back to providers per agreed terms.

• Servicing: 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 payments to existing cards.

For users

• Split purchases over time with predictable repayment schedules and adequate fees.

Vision

Emerging markets such as Latin America, Southeast Asia, and Africa have the greatest need for credit to achieve financial inclusion. At the same time, most people are under- or unbanked, making it impossible for traditional institutions to service them. We aim to underwrite them, as we can compliantly and privately get access to previously unavailable data sources.