Yumi
Live on MainnetCredit infrastructure for BNPL on stablecoin rails — reputation-aware underwriting.
DeFibnpl
Participation
How to participate
Every listing answers the same six questions so you can compare apps fairly.
- Who it's for
- Neobanks, payment gateways, and fintech apps that want to embed credit without building underwriting.
- What you do
- Integrate Yumi's SDK to launch credit lines, BNPL, or trade finance — Yumi handles underwriting.
- Why it matters
- Brings unsecured credit to crypto. Underwriting uses Prints and on-chain credit signals.
- Entry cost
- Partner integration via SDK; end-users borrow without collateral when they meet credit thresholds.
- Reward loop
- Borrow → repay → onchain credit strengthens → larger limits and better terms over time.
- Time to first value
- Partners launch in weeks; users get approval in one transaction.
About Yumi
## About Yumi
Yumi is a credit-as-a-service platform built on stablecoin rails. Rather than building a consumer-facing lending app, Yumi provides the SDK and API for neobanks, payment gateways, and fintech apps to embed credit products into their existing workflows.
On Fluent, Yumi uses Prints reputation as one of the signals for underwriting — combining wallet history, on-chain behavior, and additional verified data sources to underwrite unsecured loans without requiring collateral upfront.
## Why this matters
Most crypto lending is over-collateralized, meaning you can only borrow if you already have more than you want to borrow. That's useful for leverage but doesn't function as real credit. Yumi targets the gap: actual unsecured credit, underwritten by reputation rather than collateral.
The team builds onchain credit profiles from loan history, repayment behavior, and reputation signals — turning DeFi from a leverage tool into actual financial infrastructure.