# 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**. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.yumi.finance/summary/opportunities-yumi-unlocks.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.