> For the complete documentation index, see [llms.txt](https://docs.yumi.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.yumi.finance/buy-now-pay-later/overview.md).

# Overview

Yumi provides an **SDK and API** that adds "pay-in-4" to any checkout flow.

### Why Yumi's Pay-in-4?

* **Boost Conversion & AOV**

  Offering “pay 4×” **increases average order value** by 15–25 % and r**educes cart abandonment**.
* **Cut Costs & Risk**

  **Lower fee than legacy BNPLs**, plus zero chargebacks and **instant settlement**
* **Global Crypto Shopper Reach**

  Instantly accept **stablecoin-based payments from wallets worldwide**—no new banking rails needed.

### Key features

* **Drop-in Button**

  Seamlessly sits alongside other payment options.
* **Instant Settlement**

  Merchant receives full USDC (with possible fiat conversion) on purchase.
* **Customizable UI & Integration support**

  Customizable SDK - **match your look**. Our engineers help you integrate the feature end-to-end.
* **Live Dashboard**

  Track GMV, **repayment health**, and **approval rates** in real time.
* **No risk** \
  We charge a **fee per order**, so if shoppers don’t use Yumi, you don’t owe us anything. Yumi handles everything internally - underwriting, loan origination, and servicing.