Tuum
What Tuum is
Tuum is a modular core banking platform for banks and financial institutions, covering core banking, cards, Islamic banking, lending, and payments. Customers can select the capabilities they need. Its API-first microservices architecture is designed to support incremental modernization alongside legacy systems, with public cloud, private cloud, on-premises, and hybrid deployment options. The core banking module supports accounts, lending, and payments, including multi-currency accounts and virtual IBANs. Other modules cover debit, credit, and prepaid card issuing; payment operations such as SEPA, SWIFT, FX, and direct debits; and secured and unsecured lending. Tuum lists pre-integrations for payments and cards, and supports API access, real-time processing, and multiple entities. The company says the platform supports 2,500+ transactions per second and 99.99% uptime. It describes its Islamic Banking module as AAOIFI-compliant. Tuum says its average core banking implementation takes less than seven months. Founded in 2019 and headquartered in Tallinn, Estonia, Tuum directs prospective customers to book a demo or contact its banking experts; pricing is available on request.
Who it suits
Tuum is aimed at traditional and digital-first banks, fintechs, and other financial institutions, including NBFIs, EMIs, and PSPs. Its modular structure may suit organizations modernizing alongside legacy systems or selecting specific banking capabilities.
What it does well
- Selectable banking, card, lending, and payment modules
- Supports public, private, on-premises, and hybrid deployment
- Lists API access and real-time processing
- States support for 2,500+ transactions per second
- AAOIFI-compliant Islamic Banking module
What to know first
- No numeric product price is published
- Tuum says it does not provide banking or EMI licenses
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Custom enterprise platform | No public price listed; book a demo | On request |
As tuum.com lists them, read 7 Oct 2026. The maker's own page has the final word.
Getting started
- Visit https://tuum.com/.
- Book a demo or contact Tuum’s banking experts.
- Discuss which modules your institution needs.
- Choose a deployment approach from public cloud, private cloud, on-premises, or hybrid.
- Plan integration through open APIs and the listed pre-built connections.
Verdict
Tuum brings multiple banking capabilities into a modular platform with several deployment options. It is software rather than a licensed banking or EMI provider, and pricing requires a request.
Questions
How much does Tuum cost?
Tuum provides pricing on request and does not publish a numeric product price. Its site directs prospective customers to book a demo or contact the company.
Which banking capabilities does Tuum cover?
Its modules cover core banking, cards, Islamic banking, lending, and payments. Core banking includes multi-currency accounts and virtual IBANs.
Where can Tuum be deployed?
Tuum describes public cloud, private cloud, on-premises, and hybrid deployment options.
Which integrations are named?
Payment connections include Centrolink, Currencycloud, LHV, and Banking Circle; AML connectivity includes ComplyAdvantage and Hawk. Card connections include Nets and Paymentology, with Mastercard tokenization support through MDES.
Does Tuum provide a banking or EMI license?
No. Tuum states that it is a software vendor and does not provide an EMI or banking license.
Who is Tuum intended for?
Tuum says it serves traditional banks, neobanks, digital-first financial institutions, fintechs, NBFIs, EMIs, and PSPs, from smaller enterprises to multinational banks.
Facts from Tuum's own pages
- API connectivity
- Tuum says open APIs and pre-built fintech integrations allow customers to connect third-party systems and providers. · tuum.com, 7 Oct 2026
- Architecture
- The platform uses an API-first, microservices architecture and supports deployment on public cloud, private cloud, on-premises, or hybrid infrastructure. · tuum.com, 7 Oct 2026
- Card integrations
- The Cards module lists pre-integrations with Nets and Paymentology and Mastercard tokenization support through MDES. · tuum.com, 7 Oct 2026
- Cards
- The cards module supports debit, credit, and prepaid card issuing, transaction processing, configurable pricing and limits, and fraud rules. · tuum.com, 7 Oct 2026
- Company history
- Tuum says its story began when five Estonian banking technology pioneers launched a modular core banking platform; a company announcement states it was founded in 2019. · tuum.com, 7 Oct 2026
- Compliance
- The FAQ says Tuum supports multi-jurisdiction compliance across European, GCC, and MEA markets and cites GDPR, IFRS, FCA, PRA, ECB, SAMA, and AAOIFI. · tuum.com, 7 Oct 2026
- Core banking
- Its core banking module supports account, lending, and payment capabilities, including multi-currency accounts and virtual IBANs. · tuum.com, 7 Oct 2026
- Deployment
- Tuum describes public cloud, private cloud, on-premises, and hybrid deployment options. · tuum.com, 7 Oct 2026
- Founded
- 2019 · tuum.com, 28 Sept 2026
- Headquarters
- Tallinn, Estonia · tuum.com, 28 Sept 2026
- Implementation
- Tuum says its average core banking implementation takes less than 7 months to go live. · tuum.com, 7 Oct 2026
- Intended customers
- Tuum says it serves institutions ranging from multinational banks to fintechs and small and medium-sized enterprises. · tuum.com, 7 Oct 2026
- Islamic banking
- Tuum's Islamic Banking module is described as AAOIFI-compliant and built for full Islamic banks or Islamic windows within conventional banks. · tuum.com, 7 Oct 2026
- Lending
- Tuum’s lending module supports secured and unsecured lending, consumer loans, mortgages, and Banking-as-a-Service lending models. · tuum.com, 7 Oct 2026
- Modules
- Customers can select the capabilities they need from core banking, cards, Islamic banking, lending, and payments modules. · tuum.com, 7 Oct 2026
- Not a bank
- Tuum states that it is a software vendor and does not provide an EMI or banking license. · tuum.com, 7 Oct 2026
- Payment integrations
- The Payments module lists pre-integrations with Centrolink, Currencycloud, LHV, and Banking Circle, plus AML connectivity with ComplyAdvantage and Hawk. · tuum.com, 7 Oct 2026
- Payments
- The payments module handles SEPA, SWIFT, FX, local payment schemes, and direct debits, with rule-based routing and liquidity management. · tuum.com, 7 Oct 2026
- Pricing availability
- The official pages reviewed direct prospective customers to book a demo and do not publish a numeric product price. · tuum.com, 7 Oct 2026
- Product
- Tuum is a modular, cloud-native core banking platform for banks and financial institutions. · tuum.com, 7 Oct 2026
- Scale
- Tuum states its platform supports 2,500+ transactions per second and 99.99% uptime. · tuum.com, 7 Oct 2026
- Security
- Tuum announced SOC 2 compliance in March 2024 and says its systems and processes were evaluated against security standards. · tuum.com, 7 Oct 2026
- Security certification
- Tuum announced that it achieved ISO 27001 certification in May 2022. · tuum.com, 7 Oct 2026
- Support and sales
- The product site directs prospective customers to book a demo or contact Tuum's banking experts. · tuum.com, 7 Oct 2026
Where Tuum stands on Freedom251
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