# Opportunities Yumi unlocks

Serving as a credit infrastructure layer, we unlock a range of possibilities:

* **B2B BNPL for Suppliers and Business Banks that serve them**\
  Enables suppliers and the platforms they use for invoicing, payments, and cash management, to offer buyers deferred or installment financing - improving buyer liquidity while ensuring suppliers get paid upfront, without the platform operating as a lender.
* **Merchant and Crypto Payment Gateway BNPL SDK** \
  Traditional, **consumer-focused BNPL** in the form of a simple **SDK** where Yumi handles everything under the hood.
* **Credit Infrastructure for crypto neobanks**\
  Allows crypto neobanks to **issue unsecured loans to their customers,** with Yumi handling underwriting, capital and risk under the hood.
* **Embedded consumer installments and credit**\
  Allows consumer-facing platforms and payment flows to offer installment payments through a simple integration, while Yumi handles underwriting, funding, and servicing behind the scenes.
* **Data layer**\
  We create a programmable, **interoperable data layer** and **standard for onchain credit profiles**.