Overview

Yumi provides infrastructure for crypto cards, allowing them to issue a credit card backed by onchain loans and credit profiles. Yumi handles all the risk, and the integration is minimal - we work alongside your current infrastructure, financing logic, and support VISA/Mastercard debit cards. You won't need to "issue" a credit card; instead, it's a development on top of the current debit card infra.

Why have a credit offering?

• New feature Currently, no crypto cards offer credit or uncollateralized borrowing - your card will have a strong offering that no one else does. Be the first!

• New Revenue Stream

  Capture interest spread without building your own infrastructure - Yumi handles underwriting, loan origination and servicing under the hood. No risk for the card provider.

• Fewer Declines

  If a purchase fails, the user doesn’t have to do a top-up again and wait for it to go through. Yumi issues a loan at the point of sale if the user doesn’t have enough funds. We charge 0% on loans paid off on the first day.

Core benefits

• No liability on the card provider's side Yumi handles everything under the hood with zero risk for the card issuer

• Underwriting & Limits

  $250 starter line; auto-increase after each clean payoff.

• Repayment Plans

  • 14% APR

  • Option to repay APR with card cashback. E.g., a 2% cashback can make the APR for a 2-month ‘pay in 4’ scheme effectively 0

• Servicing & Collections

  Yumi handles servicing under the hood, not exposing the card provider to any risk.

• Hands-on integration support Our developers will personally help with the integration. We’re also happy to tweak our code if needed to suit your card’s API.