Way to import Dreamcast saves?

Thanks to all of the great info on this site I have made tremendous progress getting my cabinet the way I want it. I just need to figure out how to import a save file to the Dreamcast VMU. I have RetroArch on my Galaxy S8+. I have a ton of saved .VMI files on an old HDD but since the VMUs are .bin It’s not as easy as dropping the .VMI file onto the VMU. The main reason I want to do this is so I can have all of the Marvel vs Capcom 2 characters already unlocked so when I boot the game up on my cabinet they’re all there. What are my possible solutions? (I can’t install any files on a PC)

I think people usually use cheats for that.

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I just found the libretro cheat database. Took a bit to understand it but, cheats it is then. Thanks.