Credit for the 21st century

We're rethought credit from the ground up with stablecoins in mind

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Credit SDK for Crypto cards

We provide infrastructure for crypto cards to issue credit cards backedby onchain credit profiles and uncollateralized loans, targeting a 14% default-adjusted APR.

Trade Credit

We provide infrastructure that enables suppliers to offer short-term trade credit to their business customers at invoice or checkout level.

Onchain credit profile

We are creating and maintaining onchain credit profiles that reflect a user’s borrowing history, repayment behavior, and exposure across our partner products.

BNPL SDK

Through our SDK, any merchant or crypto payment gateway can offer crypto BNPL to their customers, with seamless user experience.

A suite of credit solutions

powering the global economy

Yumi handles underwriting, financing,

loan origination, servicing, as well as all

the counterparty risk. Our clients get

a SDK & API layer that they can go live

with in a matter of weeks.



Trusted by top teams building the future of credit

  • Nexaris

    KRWQ

  • SurfCash

    IDRP

Who we serve

Yumi

Underwriting Engine

Payment due date is scheduled to be in 30 days.

Seller

Solved obstacles

No scoring

No liquidity

Instant payout

1

Requests trade credit

Buyer

Data

Offer net terms (buy now, pay later)

to your buyers, and get paid upfront.


Yumi underwrites the buyer, funds the invoice, manages repayment and takes

on full default risk.

Export and import businesses
and wholesalers

Business bank

Invoice /AP-AR flow

Yumi

Supplied paid

Runs inside your existing business workflows

limits

timing

decision engine

Buyer repays later

Embedded landing

Other processes

Other processes

Invoice /AP-AR flow

Yumi

Supplied paid

Buyer repays later

Runs inside your existing business workflows

limits

timing

decision engine

Invoice /AP-AR flow

Yumi

Supplied paid

Buyer repays later

Runs inside your existing business workflows

limits

timing

decision engine

Business banks

Embed trade-finance and working capital products directly into your product.


Use Yumi to automate underwriting and lifecycle management for LC-style payment assurance or reverse factoring (supplier paid early based

on buyer credit).

Consumer neobanks

Neobank (Our partner)

KYC

Transaction data

User

Bank data

CEX

Underwriting Engine

Settle on day end

Calculate credit limit

Spends

Crypto Card

/ Neobank

Take money from Yumi’s vault to settle

After some time

Take repayment from user

Yumi capital

Launch an unsecured credit line inside

your app without building the full risk stack.

Yumi uses your approved user signals to underwrite, set limits, fund, and manage billing + collections.

We alsotakefull credit risk.

Payment gateways/Merchants

Add Pay-in-4 or "Buy now,

Pay Later" to checkout via a singleintegration.


Yumi returns real-time approvals, funds

the transaction, and manages repayment —while

you keep the existing payment flow consistent.

Fintech apps

Yumi

limits

risk

Fintech app signals

Credit offer

Repayment outcomes

If you have permissioned user data (cashflow, balances, behavior), you can offer credit.


Send signals to Yumi —

we underwrite, set limits, and run the full loan lifecycleinside your product.

Get started with Yumi

Chat with our team to see how Yumi

can work for you

Talk to our team