Participation
How to participate
Every listing answers the same six questions so you can compare apps fairly.
- Who it's for
- Users who want flexible payment terms for on-chain purchases without locking up collateral upfront.
- What you do
- Check out with Yumi, split payment into installments. Credit limit based on your Prints score.
- Why it matters
- Reputation-based credit risk modeling means underwriting actually works on-chain — no over-collateralization required.
- Entry cost
- Build minimum Prints tier to qualify. Higher tiers unlock larger limits.
- Reward loop
- Pay on time → reputation improves → credit limit grows → access better merchants.
- Time to first value
- Approval in one transaction once you meet the tier threshold.
About Yumi
## About Yumi
Yumi was one of the most-watched launches on Fluent because it tackles the on-chain credit problem
head-on. Pure crypto lending has been stuck at over-collateralized models — meaning you can only
borrow if you already have more than you want to borrow.
Yumi flips the model. By using Prints as a credit signal, it offers genuine BNPL functionality
without requiring upfront collateral, betting on the user's reputation as the underwriting basis.
The protocol is one of the clearest demonstrations of why reputation-aware infrastructure matters
for the next phase of DeFi.