Buy Now, Pay Later + Pay with Yield
Interest Rate
On-Chain
Available
Split any purchase into 4 bi-weekly payments with absolutely no interest or hidden fees
Built on blockchain technology for complete transparency and unmatched security
Your deposits generate yield through our innovative DeFi protocols during payment periods
Get approved in seconds with our streamlined verification process and start shopping immediately
Most Buy Now, Pay Later products still use outdated payment rails—causing friction for users and merchants alike. Here's what's broken:
Repayment schedules and conditions are often hidden or unclear.
Merchant payouts are delayed by 1-3 days, hurting cash flow.
Balances aren't updated in real-time, leading to missed payments.
Unnecessary fees from legacy systems impact everyone.
High fees and low margins make it tough for merchants.
Experience a seamless journey from checkout to earning yield. Yumi makes every step intuitive and rewarding.
Choose 'Pay in 4 with crypto' as your method during checkout. Simple and secure.
Get soft-checked with no score impact. Instant eligibility with DeFi security.
Pay in 4 interest-free installments while earning yield on deposits.
$1000 purchase example
User deposits money to a yield vault via Yumi Yield SDK.
User pays 250$ upfront after KYC and AI-underwriting.
Yumi pays the merchant instantly from operational capital.
$yrUSD is a junior tranche (higher APY, more risk), $ysUSD is safer (lower APY).
User pays two more 250$ instalments at 20 & 40 days.
At 60 days, user pays either 0$ or 250$ minus yield earned.
Yumi is a fully on-chain “Buy Now, Pay Later” solution — letting you never pay full price again, powered by decentralized yield.
2× less fees than VISA and 3× than Klarna/Affirm — bypassing all the middlemen.
Non-custodial, secure, transparent, blazing fast settlement with capital efficiency.
Robust underwriting via zkTLS and novel data sources — unmatched risk profiling.
Secure $500k+ in TVL commits from Hedge Funds & Family offices.
Attract DeFi yield farmers & liquid funds post-launch. LPs earn double points in Season 1.
Target merchants that already accept crypto, as the easiest group to acquire. Focus on AI/SaaS subscriptions to showcase 'pay with yield'.
Partner with major crypto cards and payment platforms like OKX Pay, Gnosis Circles to offer BNPL to supported merchants.
Users: Invite 5 Klarna users, we pay your last installment (up to $25). Merchants: earn 0.1% fee rebate for 6 months per referral.
Three simple steps to start earning while you pay
Complete our quick 2-minute verification process with instant approval and security
Choose Yumi at checkout and automatically split into 4 bi-weekly payments
Get rewarded with cashback through our yield system while completing payments
Split any purchase into manageable payments over 6 weeks with complete transparency
Extended financing options for larger purchases with flexible terms
Complete transparency with no surprise charges or hidden costs
Exceptional talent driving innovation in decentralized finance
Join thousands of smart shoppers who are already earning cashback on their purchases
No credit check required • Available in 50+ countries • Launch Q2 2025