# Overview

Yumi provides infrastructure for neobanks & fintechs, allowing them to **issue unsecured consumer credit**. Yumi handles all the risk, and the **integration is minimal** - we work alongside your current infrastructure, financing logic, and support VISA/Mastercard cards. Most teams integrate our API/SDK in under a week.

### 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 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.

### 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**

  Typical \~ $250 starter line; auto-increase after each clean payoff. \
  \&#xNAN;*(Although the specific limits can be discussed and adjusted based on the type of user.)*
* **Tailored Repayment Plans**

  We offer a range of options for repayments, examples are:

  * **A revolving APR** that accrues from the moment of purchase, with a max **period of 2 months.**
  * **Advance loan** structure, when the debt is repaid on a **chosen date of the next month**, together with the **flat fee (3% of the loan amount).**
  * Repaying interest with **card cashback**. \
    \&#xNAN;*(A 2% cashback can cover the interest for a \~1-month loan)*
* **Servicing & Collections**

  Yumi **automates servicing** under the hood; the card **provider is not exposed to any risk**.\
  However, we might request the ability to freeze users' assets on a card in the event of default.
* **Hands-on Integration Support**\
  Our developers will **personally help with the integration.** We’re also happy to adjust our code for the needs of the card partner.


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