Yumi
Credit-as-a-Service on stablecoin rails
About Yumi
Credit-as-a-Service on stablecoin rails, allowing any neobanks, PSP, fintechs to issue unsecured loans through our API & SDK layer. While we handle underwriting, risk, financing and servicing.
Credit Card SDK
Unsecured, interest‑bearing credit lines for partner cards, with all risk, funding and collections handled by Yumi.
BNPL SDK for Merchants & Gateways
Plug‑and‑play BNPL widget for PSPs and merchants, enabling Pay‑in‑4 / pay‑later options at checkout with Yumi managing capital, underwriting and default management behind the scenes.
Onchain credit profiles
Uses web2 + on‑chain data (via zkTLS) to see salary, spending, savings and investments, and writes repayments/defaults into a privacy‑preserving onchain credit profile to reduce phantom debt and improve pricing.
Build with the team
The Fluent Ecosystem is committed to relentless iteration. Submit high signal feedback directly in app - routed straight to the builders.*
*Only available on limited applications