# FAQ

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<summary>TLDR;</summary>

Yumi offers an SDK that can **add a “pay-in-4 with crypto”** to any checkout flow. Yumi handles all the risk, and the integration is minimal.

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<summary>How long does it take to integrate</summary>

Depending on how much you want to customize it the integration can take from a couple of minutes to a week.

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<summary>How do you underwrite the user?</summary>

We underwrite them based on a **mix of onchain and offchain data**. The merchant/payment provider can **share the available data** with us, or we can **request it directly from the user**.\
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We use **zkTLS** and **Open Banking** to access users' credit scores, employment status, tax reports, and other data to underwrite people around the globe better.

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<summary>What is the fee structure?</summary>

We charge a **3% merchant fee**.

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<summary>Does the user have to KYC?</summary>

**Yes.** They need to prove their identity by completing a **zkKYC** (scanning their passport/ID), connecting their **bank account**, or providing **another valid form of identification**.

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<summary>How do you handle repayments?</summary>

There are two options: the user either **repays manually** or signs a permit (an EIP-712 message for EVM) for Yumi to **pull funds automatically**.

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<summary>How do you handle defaults?</summary>

We work with **debt collection agencies** to service the bad debt. In some cases, we can **freeze assets** on a user's account.

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<summary>Is it hard to integrate? Do we need to change our code?</summary>

The integration is done via a **React SDK** that you can install within a couple of minutes and add to your existing code. The **integration is minimal.**

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<summary>What is the credit limit</summary>

We're planning an **initial average limit of \~$500 per user**. That is **adjustable** according to the customer profile.

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<summary>Who funds the user's loan? Who's responsible for defaults?</summary>

**Yumi takes on ALL the risk**. We use **private capita**l and, later, 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).

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<summary>Is there a demo live?</summary>

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

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