FAQ

TLDR;

Yumi provides an SDK and API that enables B2B Buy Now, Pay Later via Net-30 invoice terms directly inside checkout or invoicing flows.

Suppliers get paid immediately, while buyers can pay 30 days later, with an option to split the payment on day 15, with Yumi handling credit decisions, collections, and repayment operations end-to-end.

How long does it take to integrate this?

It takes less than a week for most teams to integrate our API & SDK

How do you underwrite the business?

We underwrite them based on a mix of onchain and offchain data. The business banking platform provider can share the available data with us, or we can request it directly from the business.

What is the fee structure?

We charge a 2-5% fee on the invoice amount.

Does the business have to KYB?

Yes. All buyers using B2B BNPL must complete business verification (KYB) before accessing Net-30 terms.

Depending on the integration and jurisdiction, KYB may include:

• Business registration details (legal entity, directors, UBOs)

• Verification of authorized signatories

• Proof of business activity and operating address

Where supported, Yumi can leverage zkKYB to verify business credentials without exposing underlying sensitive data on-chain. Only verified businesses are eligible for BNPL approval and limit increases.

How do you handle repayments?

Repayments are due according to the invoice terms (e.g. Net-30, with an optional split).

Depending on the integration, buyers can:

• Repay manually using supported payment rails, or

• Authorize automatic collection, where permitted, via a pre-approved payment instruction (e.g. signed authorization or on-chain permission)

All repayment schedules and due dates are clearly disclosed on the invoice.

How do you handle defaults?

Yumi handles defaults end-to-end. Suppliers are not involved.

If a payment is missed:

• Yumi sends reminders and follows up with the buyer.

• If the payment remains overdue, Yumi continues collection efforts and may engage professional debt collection agencies for business receivables.

• Buyers with unpaid balances may have BNPL access suspended, credit limits reduced, or be required to pay upfront for future purchases.

• Further recovery actions may be taken where permitted by law and agreed in the BNPL terms.

Suppliers are paid upfront and are not exposed to buyer non-payment.

What is the credit limit

We're planning an initial average limit of up to $2000 per business. That is adjustable according to the business' profile.

Who funds the user's loan? Who's responsible for defaults?

Yumi takes on ALL the risk. We use private capital and DeFi to fund the loans. If a user defaults, Yumi eats the loss (defaults are fully accounted for in our model, so Yumi can afford to do that and remain profitable).

Is there a demo live?

Please contact us to schedule a live demo or get the Loom video.