zkMe is excited to announce a strategic partnership with Yumi Finance, a decentralized credit and BNPL infrastructure provider that is reimagining how credit and installment payments work in the Web3 era.
This collaboration integrates zkMe’s cutting-edge zkProof of Citizenship, zkProof of Address, AMLMe (zkKYC), and the latest zkTLS verification technology into Yumi’s ecosystem, enabling privacy-preserving credit access and regulatory compliance at scale.
Yumi Finance: Powering the Next Generation of Decentralized Credit
Yumi Finance provides embedded credit and BNPL solutions that partners can integrate directly into their checkout and card programs. By combining on-chain risk assessment, underwriting, and capital provisioning, Yumi brings truly borderless credit in a compliant, modular, and transparent way.
Through its Credit-as-a-Service model, Yumi lets any card issuer, payment gateways or merchant offer installments & credit to users while maintaining full control over liquidity and user relationships. The platform leverages hybrid on/off-chain underwriting system and DeFi-based liquidity pools to power credit for the next billion consumers and businesses.
Addressing Compliance with zkMe’s Privacy-Preserving Protocol
As Yumi Finance scales its credit network globally, it faces the dual challenge of ensuring KYC and AML compliance while protecting user privacy and data sovereignty.
By integrating zkMe’s zkProof of Citizenship and zkProof of Address, Yumi can verify a user’s nationality, residency, and eligibility without collecting or exposing any raw personal data. These verifiable credentials are issued under zkMe’s decentralized identity framework, allowing Yumi to perform compliance checks in a fully privacy-preserving way.
At the same time, zkMe’s AMLMe solution strengthens Yumi’s ability to detect and prevent fraudulent or high-risk activity. Using real-time screening, AMLMe ensures that users are not listed in sanctions or watchlists while keeping their underlying identity private.
Introducing zkTLS: Proving Financial-related Status Without Revealing It
Taking privacy even further, Yumi will be among the first to leverage zkMe’s zkTLS, an innovation that allows users to prove financial data directly from Web2 sources such as online banking portals or credit score providers without disclosing any sensitive information.
With zkTLS, users can privately prove that:
- Their bank account balance exceeds a required threshold
- Their credit score meets lending criteria
- Their transaction history demonstrates repayment capability
All of this happens while the underlying data remains encrypted and unseen by any third party, including Yumi. This unlocks a new paradigm for on-chain creditworthiness that is verifiable, compliant, and privacy-preserving.
A Shared Vision for Compliant and Trustless Credit
Together, zkMe and Yumi Finance are redefining what compliant credit infrastructure looks like in Web3.
Through this partnership, users can enjoy fair and secure credit access while maintaining complete ownership of their data. This marks an essential step toward building a trustless yet compliant financial ecosystem.
About Yumi Finance
Yumi Finance is a decentralized credit and BNPL infrastructure provider that empowers partners to embed credit, installment, and financing features into Web3 platforms. With its modular architecture and strong compliance foundation, Yumi enables on-chain credit issuance, repayment management, and risk control, building the bridge between traditional finance and the decentralized economy.
About zkMe
zkMe provides protocols and oracle infrastructure for the compliant, self-sovereign, and private verification of Identity and Asset Credentials.
It is the only decentralized solution capable of performing FATF-compliant CIP, KYC, KYB, and AML checks natively onchain, without compromising the decentralization and privacy ethos of Web3.
By combining zero-knowledge proofs with advanced encryption and cross-chain interoperability, zkMe enables verifiable identity and compliance data to remain entirely under the user’s control. This ensures that sensitive information never leaves the user’s device while maintaining regulatory-grade assurance for partners and protocols.
