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.