# Yumi Finance

> Buy now, Pay Later for the Next Generation of Money

Yumi Finance helps merchants and card programs offer credit payments and pay‑in‑4 at checkout through SDK and API integrations.

Yumi Finance is a credit infrastructure platform for merchants, payment service providers, and card programs. It provides underwriting using onchain and offchain data, capital to fund loans, and servicing for repayments. Products include a pay‑in‑4 checkout option and credit functionality for crypto cards with settlement in stablecoins or fiat.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2025-06-01
- Profile: https://thegrid.id/profiles/yumi_finance

## Products

- [Yumi Buy Now Pay Later](https://thegrid.id/profiles/yumi_finance): Yumi Buy Now Pay Later is a checkout SDK and API for merchants and PSPs to offer pay‑in‑4 with crypto. It evaluates applicants with onchain and offchain data, authorizes a limit, splits payment between shopper and Yumi, and settles to the merchant in stablecoins or fiat. (Merchant Payment Gateway, In Development, Main Product)
- [Yumi Credit Cards Infrastructure](https://thegrid.id/profiles/yumi_finance): Yumi Credit Cards Infrastructure is an API and SDK for crypto card programs to add credit backed by onchain underwriting without changing existing debit card rails. It handles per‑transaction authorization, provides a permit to withdraw funds from a Yumi vault, and offers repayment endpoints and servicing. (Card issuance, In Development)

## Links

- [Main](https://www.yumi.finance)
- [Documentation](https://docs.yumi.finance)
- [Twitter / X](https://x.com/YumiFinance)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP