What is Yumi

Yumi is Credit-as-a-Service on stablecoin rails.

We enable fintech platforms, such as consumer or business neobanks, card programs, savings apps, and payment gateways to offer credit products - installments, BNPL, and credit, without building underwriting, capital markets, or servicing in-house.

At a high level, we offer the full credit stack:

• 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.

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Value proposition

• Enable unsecured credit (BNPL, installments, or revolving) in a matter of weeks without building underwriting, financing and risk in-house.

• Yumi handles all risk and underwriting, you just get a new feature and revenue stream

• Integration takes less than a week for most teams

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Who this is for

Yumi is designed for platforms that already have distribution and user relationships, but lack the infrastructure to offer credit safely and efficiently.

That includes, but is not limited to: – Neobanks and card programs – Payment and checkout platforms – Payroll and income-linked applications – Business banking and invoicing/fx products – Savings and money management apps

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Vision

The future of finance is fragmentation, not consolidation.

Thousands of specialized financial platforms will emerge - each tailored to a specific audience, geography, or use case. In this world, there will be no single dominant credit card, bank, or lender. There will be thousands.

Most of these platforms will want to offer credit to deepen user engagement and increase revenue. Yet building a full credit stack from scratch remains prohibitively complex, costly, and heavily regulated.

Yumi exists to change that.

We turn credit into a composable capability - easy to integrate, scalable, and compliant - so any platform can offer sophisticated lending without becoming a credit expert.