Yendo Inc.

Based in Texas, US, and founded in 2021 by its CEO Jordan Miller, and co-founders George Utkov, and Daniel Ashy, Yendo Inc. formerly known as Otto, operates as a financial services company that allows customers to access loans secured by the value of their car. As of June 2023, the company serves its customers in Texas, Illinois, Florida, Colorado, South Carolina, and Tennessee. In February 2026, Yendo Inc.

raised USD 200 million in venture debt funding from unspecified investors. Yendo Inc. offers a credit card solution that allows customers to access up to USD 10,000 by securing it with the value of their car. It allows customers to carry a balance at a fixed rate or pay the entire statement balance monthly.

Additionally, Yendo focuses on credit building, offering customers an opportunity to improve their credit score by reporting to major credit bureaus such as Equifax and Experian. The company's application allows one to control credit card activity, check recent purchases, and freeze cards while maintaining the health of the vehicle. The company generates revenue by offering vehicle-secured credit cards, earning through interest, fees, and AI-driven underwriting that reduces origination costs and boosts margins. The company will use the October 2025 funding to expand its lending and develop an artificial intelligence digital bank for underserved Americans.