Trusted already by 1.2k+

Buy Now. Pay Later.
Get Paid Back

Get what you love, right now. Pay over time in 4 bi-weekly zero-interest payments.

No fees. No stress. No waiting.

Start Using Yumi

Trusted already by 1.2k+

Buy Now. Pay Later.
Get Paid Back

Get what you love, right now. Pay over time in 4 bi-weekly zero-interest payments.

No fees. No stress. No waiting.

Start Using Yumi

Trusted by leading mearchants worldwide

Trusted by leading mearchants worldwide

  • Wealthro

  • Finyon

  • Aegra

  • Portivio

  • Vaultic

  • Altoris

  • Quantora

  • Fundara

  • Fundara

Trusted by leading mearchants worldwide

  • Wealthro

  • Finyon

  • Aegra

  • Portivio

  • Vaultic

  • Altoris

  • Quantora

  • Fundara

  • Fundara

Yumi

is

a

fully

onchain

Buy Now - Pay Later

Buy Now - Pay Later

Buy Now - Pay Later

Buy Now - Pay Later

Buy Now - Pay Later

solution

for

the

next

generation

of

money,

that

let's

you

never pay

never pay

never pay

never pay

never pay

the

full

price.

Thanks

to

Defi yield

Defi yield

Defi yield

Defi yield

Defi yield

Yumi

is

a

fully

onchain

Buy Now - Pay Later

Buy Now - Pay Later

Buy Now - Pay Later

Buy Now - Pay Later

Buy Now - Pay Later

solution

for

the

next

generation

of

money,

that

let's

you

never pay

never pay

never pay

never pay

never pay

the

full

price.

Thanks

to

Defi yield

Defi yield

Defi yield

Defi yield

Defi yield

Yumi

is

a

fully

onchain

Buy Now - Pay Later

Buy Now - Pay Later

Buy Now - Pay Later

Buy Now - Pay Later

Buy Now - Pay Later

solution

for

the

next

generation

of

money,

that

let's

you

never pay

never pay

never pay

never pay

never pay

the

full

price.

Thanks

to

Defi yield

Defi yield

Defi yield

Defi yield

Defi yield

Problems with using traditional BNPL Product Rails

Cash Drag due to Slow Settlement time
Cash Drag due to Slow Settlement time
Cash Drag due to Slow Settlement time
Phantom Debt
Phantom Debt
Phantom Debt
High Transaction Costs
High Transaction Costs
High Transaction Costs
Lack of Transparency
Lack of Transparency
Lack of Transparency

Why Choose Us

Less Fees

2x less than VISA and 3x than Klarna/Affirm. Bypassing the middleman

Less Fees

2x less than VISA and 3x than Klarna/Affirm. Bypassing the middleman

Less Fees

2x less than VISA and 3x than Klarna/Affirm. Bypassing the middleman

Secure and Fast

Non-custodial, secure, transparent, unparalled, capital efficiency and blazing fast settlement

Secure and Fast

Non-custodial, secure, transparent, unparalled, capital efficiency and blazing fast settlement

Secure and Fast

Non-custodial, secure, transparent, unparalled, capital efficiency and blazing fast settlement

Robust Underwriting

The most robust underwriting in the industry thanks to novel data sources with zkTLS

Robust Underwriting

The most robust underwriting in the industry thanks to novel data sources with zkTLS

Robust Underwriting

The most robust underwriting in the industry thanks to novel data sources with zkTLS

Just 3 steps to shop smarter
and earn while you pay.

01

Select Yumi at Checkout

Shop like you normally would. When it’s time to pay, just choose Yumi as your payment option

Discover More

Select Yumi at Checkout

Shop like you normally would. When it’s time to pay, just choose Yumi as your payment option

Discover More

Select Yumi at Checkout

Shop like you normally would. When it’s time to pay, just choose Yumi as your payment option

Discover More

Soft Credit Check

No impact on your credit score. We’ll run a soft check to instantly approve your payment plan; fast, secure, and with zero stress.

Discover More

Soft Credit Check

No impact on your credit score. We’ll run a soft check to instantly approve your payment plan; fast, secure, and with zero stress.

Discover More

Soft Credit Check

No impact on your credit score. We’ll run a soft check to instantly approve your payment plan; fast, secure, and with zero stress.

Discover More

02
03

Pay with Installments and Yield

Split your payment into 4 zero-interest installments over 6 weeks or choose a flexible long-term plan. Pay on time, and we’ll reward you. It’s the only BNPL that gives back.

Discover More

Pay with Installments and Yield

Split your payment into 4 zero-interest installments over 6 weeks or choose a flexible long-term plan. Pay on time, and we’ll reward you. It’s the only BNPL that gives back.

Discover More

Pay with Installments and Yield

Split your payment into 4 zero-interest installments over 6 weeks or choose a flexible long-term plan. Pay on time, and we’ll reward you. It’s the only BNPL that gives back.

Discover More

Start Using Yumi

Start Using Yumi

Start Using Yumi

What Real Users Are Saying

See why shoppers are switching to Yumi for smarter payments and better rewards.

  • “Yumi changed how I shop. I got what I needed instantly, paid over time, and even earned rewards. It’s a no-brainer.”

    Chiamaka O

    Digital Marketer

  • “Yumi is the most consumer-friendly BNPL I’ve ever used. Transparent, seamless, and honestly, it just feels smarter.”

    Farid M.

    UX Designer

  • “We added Yumi to our store and saw more repeat customers almost instantly. People want to come back when there’s real value.”

    Harry James

    Ecommerce Merchant

  • I’ve used every BNPL app out there. None of them paid me back. Yumi actually rewards me for being on time.”

    Jason T.

    Freelance Developer

  • “My order was approved in seconds - no paperwork, no stress. And paying over time with no interest? Huge win.”

    Jack Hammer

    University Student

  • What impressed me most was how normal it felt. No crypto noise, no complexity. Just a great way to pay and earn.”

    Sheldon Nimoy

    Marketer

  • “BNPL always felt like borrowing. Yumi feels like partnering with my money. That’s a big difference.”

    Tomi S.

    Copywriter

  • “The yield-back feature is genius. I'm literally building financial habits and getting rewarded for it.”

    Cameron S.

    Fintech Content Creator

  • “We’ve used Klarna and Afterpay. But Yumi offers rewards, full transparency, and better integration. It’s a level up.”

    Penny Potter

    Fashion Brand Owner

  • “Yumi makes me feel in control of my spending — and getting something back for paying on time? That’s the future of finance.”

    Ron Downey

    Financial Analyst

  • “As a merchant, switching to Yumi boosted our checkout conversions by 18% in just two weeks. Our customers love the flexibility.”

    Nadine E.

    DTC Brand Founder

  • “We backed Yumi because it doesn’t just follow trends - it redefines them. Aligning user incentives with financial behavior is next-level.”

    Mike M.

    Venture Capital

What Real Users Are Saying

See why shoppers are switching to Yumi for smarter payments and better rewards.

  • "This app has been a game changer for me! The pre-recorded sessions are packed with everything I need to lift my spirits and improve my mood. Highly recommend it!"

    Draco Washington

    Product Designer

  • “I just talk and boom—something relevant and surprisingly deep every time. It feels like the app really listens. The results are spot-on, never random. I highly recommend it"

    Harry James

    College Student

  • “Finally, no more endless scrolling. It brings exactly what I want to read in seconds. I use it during work breaks to stay sharp without zoning out. The perfect mix of ease and intelligence.”

    Harry James

    Software Engineer

  • “I love how it matches articles with my mood. It's like it actually gets me. Even on rough days, it recommends something that lifts me up. Way more personal than any app I’ve used.”

    Chris Roman

    Copywriter

  • “Voice input makes everything so fast. I use it while I cook, walk, or just chill. It’s hands-free, stress-free, and super smart. I can’t imagine going back to typing searches.”

    Jack Hammer

    UX Intern

  • “Simple design, no ads, and content that fits me better than any news app I’ve tried. It’s clean, quick, and always relevant. I feel like it’s made for people like me.”

    Sheldon Nimoy

    Marketer

  • “I discovered niche articles I’d never find on my own. It feels tailored and fresh. Even the summaries are surprisingly detailed. It’s like having a personal content scout.”

    Lara Cooper

    Content Creator

  • “Sometimes I don’t even know what I want to read. This app figures it out for me. It reads my tone and finds something that matches it. Every session feels effortless and curated.”

    Duke Page

    Fitness Trainer

  • “It understands natural speech so well—it’s like chatting with a smart, chill friend. There’s no pressure to search the ‘right’ way. And the voice experience is buttery smooth.”

    Penny Potter

    Data Analyst

  • “I send summaries to my friends all the time. They’re quick, smart, and share-worthy. It saves me from info overload while still learning stuff. Feels like a shortcut to knowledge.”

    Ron Downey

    Research Assistant

  • “I never thought I’d enjoy an AI app this much. It’s part of my daily routine now. Even the interface feels calming and fun. I look forward to using it every day.”

    Steve Zuckerberg

    Tech Blogger

  • “Perfect for lazy readers like me who still want to learn something every day. It keeps things short, sharp, and digestible. Honestly, it makes me feel smarter.”

    Mark Jobs

    Law Student

What Real Users Are Saying

See why shoppers are switching to Yumi for smarter payments and better rewards.

  • “Yumi changed how I shop. I got what I needed instantly, paid over time, and even earned rewards. It’s a no-brainer.”

    Chiamaka O

    Digital Marketer

  • “Yumi is the most consumer-friendly BNPL I’ve ever used. Transparent, seamless, and honestly, it just feels smarter.”

    Farid M.

    UX Designer

  • “We added Yumi to our store and saw more repeat customers almost instantly. People want to come back when there’s real value.”

    Harry James

    Ecommerce Merchant

  • I’ve used every BNPL app out there. None of them paid me back. Yumi actually rewards me for being on time.”

    Jason T.

    Freelance Developer

  • “My order was approved in seconds - no paperwork, no stress. And paying over time with no interest? Huge win.”

    Jack Hammer

    University Student

  • What impressed me most was how normal it felt. No crypto noise, no complexity. Just a great way to pay and earn.”

    Sheldon Nimoy

    Marketer

  • “BNPL always felt like borrowing. Yumi feels like partnering with my money. That’s a big difference.”

    Tomi S.

    Copywriter

  • “The yield-back feature is genius. I'm literally building financial habits and getting rewarded for it.”

    Cameron S.

    Fintech Content Creator

  • “We’ve used Klarna and Afterpay. But Yumi offers rewards, full transparency, and better integration. It’s a level up.”

    Penny Potter

    Fashion Brand Owner

  • “Yumi makes me feel in control of my spending — and getting something back for paying on time? That’s the future of finance.”

    Ron Downey

    Financial Analyst

  • “As a merchant, switching to Yumi boosted our checkout conversions by 18% in just two weeks. Our customers love the flexibility.”

    Nadine E.

    DTC Brand Founder

  • “We backed Yumi because it doesn’t just follow trends - it redefines them. Aligning user incentives with financial behavior is next-level.”

    Mike M.

    Venture Capital

Meet The Team

FAQ

How does Yumi work?

Yumi lets you split your payment into 4 interest-free installments over 6 weeks, or choose longer-term financing - all with zero hidden fees. Plus, you earn rewards when you pay on time.

How does Yumi work?

Yumi lets you split your payment into 4 interest-free installments over 6 weeks, or choose longer-term financing - all with zero hidden fees. Plus, you earn rewards when you pay on time.

How does Yumi work?

Yumi lets you split your payment into 4 interest-free installments over 6 weeks, or choose longer-term financing - all with zero hidden fees. Plus, you earn rewards when you pay on time.

Does using Yumi affect my credit score?
Does using Yumi affect my credit score?
Does using Yumi affect my credit score?
Is there any interest or hidden fee?
Is there any interest or hidden fee?
Is there any interest or hidden fee?
Do I need to know anything about crypto to use Yumi?
Do I need to know anything about crypto to use Yumi?
Do I need to know anything about crypto to use Yumi?
What’s the “yield” or reward I get for using Yumi?
What’s the “yield” or reward I get for using Yumi?
What’s the “yield” or reward I get for using Yumi?

No Money, No Problem.
Discover a Smarter Way to Shop

Get Started Today