Yuno

Yuno operates a payment orchestration and financial infrastructure platform that lets enterprise merchants, banks and wallets connect once, through a single API and SDK set, to a broad network of payment service providers, acquirers, local payment methods and fraud tools. The company describes itself as an "AI-native operating system of global payments and financial services." Its stated coverage is more than 1,000 payment methods and anti-fraud providers, 460+ integrations, 190+ countries and 180+ currencies (sources 2, 4, 6).

The platform is organized around three functional layers: orchestration (pay-ins, payouts, subscriptions, checkout, reconciliation, stablecoins), optimization (AI smart routing, automatic retries, account updater, network tokenization, the NOVA AI agents and a "Payments Concierge" agent that issues alerts and recommendations through WhatsApp, Slack or other interfaces), and protection (real-time risk decisioning, 3DS, chargeback management, KYC/KYB and multi-vendor fraud orchestration under one rule engine). Integration options include SDKs for Web, iOS, Android, Flutter and React Native, a direct server-to-server API, and hosted payment links; a PCI-compliant vault and no-code dashboard workflows are also offered (sources 0, 3, 4).

Named customers include McDonald's, Rappi, inDrive, NetEase/NetEase Games, GoFundMe, Uber and Viva Aerobus. Yuno also white-labels its technology to banks and payment providers such as dLocal and Prosa, so a single contract can serve an entire market. Announced product directions following the 2026 Series B include in-person payments, deeper agentic commerce capabilities and expansion in the United States (sources 2, 4, 6, 7).