Join the Future of BNPL
The Smart Way to Buy Now & Pay Later.
The Smart Way to Buy Now & Pay Later.
The Smart Way to Buy Now & Pay Later.
Discover a BNPL solution designed with your financial well-being in mind. Yumi Finance empowers you to make purchases without compromise, offering transparent terms and genuine rewards.
Discover a BNPL solution designed with your financial well-being in mind. Yumi Finance empowers you to make purchases without compromise, offering transparent terms and genuine rewards.
Discover a BNPL solution designed with your financial well-being in mind. Yumi Finance empowers you to make purchases without compromise, offering transparent terms and genuine rewards.
FUTURE OF FINANCE
Our diverse suite of finance solutions
Automated Savings
Automatically move money to savings based on personalized financial recommendations.
Investment Opportunities
Investment Opportunities
Explore a wide range of investment options tailored to your unique financial goals.
Explore a wide range of investment options tailored to your unique financial goals.
Explore a wide range of investment options, tailored to your financial goals.
Peaceful Tomorrow
Retirement Planning
guiding your journey comfortable retirement tools guide.
WHY WE WIN
EXTRA TOOLS
EXTRA TOOLS
What makes us exceptional
2x less fees than VISA and 3x than Klarna/ Affirm. Bypassing all the middleman.
2x less fees than VISA and 3x than Klarna/ Affirm. Bypassing all the middleman.
2x less fees than VISA and 3x than Klarna/ Affirm. Bypassing all the middleman.
Non-custodial, secure, transparent, unparalled capital efficiency and blazing fast settlement.
Non-custodial, secure, transparent, unparalled capital efficiency and blazing fast settlement.
Non-custodial, secure, transparent, unparalled capital efficiency and blazing fast settlement.
The most robust underwriting in the ndustry, thanks to novel datasources with zkTLS
The most robust underwriting in the ndustry, thanks to novel datasources with zkTLS
The most robust underwriting in the ndustry, thanks to novel datasources with zkTLS
EXPLORE OUR BENEFITS
How It Works
Yumi offers the best Buy now, pay later in installments, often interest-free, by splitting your purchase.
Personal Account Deposit
You deposit funds into a yield vault, allowing your money to be automatically invested and grow through various strategies, earning passive income
Personal Account Deposit
You deposit funds into a yield vault, allowing your money to be automatically invested and grow through various strategies, earning passive income
Personal Account Deposit
You deposit funds into a yield vault, allowing your money to be automatically invested and grow through various strategies, earning passive income
Pay 25% Upfront
You pay 25% of your total purchase immediately. The remaining balance is then split into smaller, scheduled payments over time.
Pay 25% Upfront
You pay 25% of your total purchase immediately. The remaining balance is then split into smaller, scheduled payments over time.
Pay 25% Upfront
You pay 25% of your total purchase immediately. The remaining balance is then split into smaller, scheduled payments over time.
Get $ysUSD and $yrUSD Issued
Acquire these stablecoins and yield-bearing tokens, providing diversified digital asset opportunities within our ecosystem.
Get $ysUSD and $yrUSD Issued
Acquire these stablecoins and yield-bearing tokens, providing diversified digital asset opportunities within our ecosystem.
Get $ysUSD and $yrUSD Issued
Acquire these stablecoins and yield-bearing tokens, providing diversified digital asset opportunities within our ecosystem.
Get your product and Get cleared
You'll receive your product immediately, and your payment will be processed and finalized hassle-free.
Get your product and Get cleared
You'll receive your product immediately, and your payment will be processed and finalized hassle-free.
Get your product and Get cleared
You'll receive your product immediately, and your payment will be processed and finalized hassle-free.
PROBLEM REVIEWS
EXTRA TOOLS
EXTRA TOOLS
Buy Now, Pay Later (BNPL) products are still using traditional payment rails Including
Lack of Transparency
Hidden fees and unclear terms plague some BNPL companies, eroding trust and causing consumer confusion.
Lack of Transparency
Hidden fees and unclear terms plague some BNPL companies, eroding trust and causing consumer confusion.
Lack of Transparency
Hidden fees and unclear terms plague some BNPL companies, eroding trust and causing consumer confusion.
High Transaction Costs
High transaction costs squeeze BNPL profits, limiting growth and user benefits.
High Transaction Costs
High transaction costs squeeze BNPL profits, limiting growth and user benefits.
High Transaction Costs
High transaction costs squeeze BNPL profits, limiting growth and user benefits.
Phantom Debt
"Phantom debt" from returns and disputes plagues BNPL, impacting cash flow and customer trust.
Phantom Debt
"Phantom debt" from returns and disputes plagues BNPL, impacting cash flow and customer trust.
Phantom Debt
"Phantom debt" from returns and disputes plagues BNPL, impacting cash flow and customer trust.
Insecure
Investment Assistance
High Merchant Fees
Slow settlement time
Low profit margins
Cash Drags
Insecure
Investment Help
High Merchant Fees
Slow settlement time
Low profit margins
Cash Drags
More than 152.78k+ users love their financial journey
More than 152.78k+ users love their financial journey
More than 152.78k+ users love their financial journey
The digital innovation in this app has truly transformed my financial experience. It’s a must-have!
MIkhail Yumi
Developer
Managing client payments is tricky. Yumi smoothed out my personal purchases perfectly.
Jessica Pandaan
Designer
Yumi allowed me to upgrade my tech without upfront strain. Super convenient, truly liberating.
Wiliam Kacuk
Classical Car
The investment tracker keeps me updated on my portfolio performance. It’s like having a personal financial advisor!
Emily Sukun
Student
Yumi's flexibility helps me budget personal buys, keeping my business cash flow healthy.
David Gadang
Vet. Doctor
Unexpected expenses happen. Yumi made my urgent car repair affordable, zero stress.
Mikhail Yumi
Personal Trainer
The digital innovation in this app has truly transformed my financial experience. It’s a must-have!
MIkhail Yumi
Developer
Managing client payments is tricky. Yumi smoothed out my personal purchases perfectly.
Jessica Pandaan
Designer
Yumi allowed me to upgrade my tech without upfront strain. Super convenient, truly liberating.
Wiliam Kacuk
Classical Car
The investment tracker keeps me updated on my portfolio performance. It’s like having a personal financial advisor!
Emily Sukun
Student
Yumi's flexibility helps me budget personal buys, keeping my business cash flow healthy.
David Gadang
Vet. Doctor
Unexpected expenses happen. Yumi made my urgent car repair affordable, zero stress.
Mikhail Yumi
Personal Trainer
The digital innovation in this app has truly transformed my financial experience. It’s a must-have!
MIkhail Yumi
Developer
Managing client payments is tricky. Yumi smoothed out my personal purchases perfectly.
Jessica Pandaan
Designer
Yumi allowed me to upgrade my tech without upfront strain. Super convenient, truly liberating.
Wiliam Kacuk
Classical Car
The investment tracker keeps me updated on my portfolio performance. It’s like having a personal financial advisor!
Emily Sukun
Student
Yumi's flexibility helps me budget personal buys, keeping my business cash flow healthy.
David Gadang
Vet. Doctor
Unexpected expenses happen. Yumi made my urgent car repair affordable, zero stress.
Mikhail Yumi
Personal Trainer
EXTENSIVE INTEGRATION
Integrated and widely-used transaction service
WE'VE GOT YOU COVERED
Frequently Asked Questions
What is Yumi Finance?
How does Yumi Finance pay me back?
Is Yumi Finance a loan or credit card?
Where can I use Yumi Finance?
What is Yumi Finance?
How does Yumi Finance pay me back?
Is Yumi Finance a loan or credit card?
Where can I use Yumi Finance?
What is Yumi Finance?
How does Yumi Finance pay me back?
Is Yumi Finance a loan or credit card?
Where can I use Yumi Finance?
JOIN THE WAITLIST
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Unlock your financial potential with YumiFinance. We provide personalized tools and insights to elevate your financial journey.