Yumi Finance

Yumi Finance is a Credit-as-a-Service (CaaS) company founded in 2025 in Panama, built through the Colosseum Solana ecosystem and backed by Colosseum, Four Pillars, Very Early Ventures, and angel investors including Kevin Sekniqi (Avalanche co-founder). The company packages the full credit stack — underwriting, capital deployment, and loan servicing — into an API and SDK so that fintech platforms, neobanks, and crypto card programs can offer credit products without building that infrastructure themselves. Most teams integrate in under a week. Yumi offers three products: crypto card credit (unsecured credit lines for card programs, with 14% target APR and initial limits of $250-$500 per consumer), Pay-in-4 BNPL (a checkout-embedded installment product charging merchants a flat 3% fee), and B2B Net-30 BNPL (invoice financing where Yumi pays suppliers immediately and buyers settle within 30 days, at 2-5% fee, up to $2,000 limit). Underwriting is multi-source: onchain data (wallet history, DeFi activity), offchain data (bank balances, cashflow), and exotic sources (employment, tax records) via zkTLS or Open Banking. Credit limits are evaluated per transaction via just-in-time underwriting, fluctuating based on user behavior and macroeconomic signals. Settlement runs on USDC primarily on EVM chains; Solana wallet addresses are accepted in underwriting requests, with deeper Solana protocol integrations planned. Yumi deploys private LP capital to fund loans and assumes all default risk; future plans include permissionless DeFi vaults and bonds to open the funding layer. A programmable onchain credit profile layer that makes credit history portable across platforms is also on the roadmap. No native token has been announced.