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Tuum
Tallinn, Estonia
What it is
Tuum is a modular, cloud-native core banking platform for banks and financial institutions. Its selectable modules cover core banking, cards, Islamic banking, lending and payments, with capabilities such as multi-currency accounts, virtual IBANs, card issuing, payment operations and lending. An API-first microservices architecture is designed to support incremental modernization alongside legacy systems. Deployment options include public cloud, private cloud, on-premises and hybrid environments. Tuum says the platform supports 2,500+ transactions per second and 99.99% uptime, and that average core banking implementation takes less than 7 months. Open APIs and pre-built integrations can connect third-party systems. Listed payment connections include Centrolink, Currencycloud, LHV and Banking Circle, with AML connectivity from ComplyAdvantage and Hawk; card connections include Nets and Paymentology, plus Mastercard tokenization through MDES. The Islamic Banking module is described as AAOIFI-compliant. Tuum was founded in 2019 and is headquartered in Tallinn, Estonia. Pricing is on request, and the product site directs prospective customers to book a demo or contact banking experts.
For and against
For
- Modular coverage for banking, cards, lending and payments
- Supports incremental modernization alongside legacy systems
- Offers public, private, on-premises and hybrid deployment
- Provides API access and pre-built integrations
- Supports real-time processing and multiple entities
Against
- Numeric product pricing is not published
- Prospective customers are directed to book a demo
- Tuum does not provide a banking or EMI license
The verdict
Tuum offers a broad set of banking modules and deployment options for financial institutions. Pricing is available on request, and buyers should note that the platform does not supply a banking or EMI license.
Who it suits
Tuum is intended for traditional banks, neobanks, digital-first financial institutions, fintechs, NBFIs, EMIs and PSPs. It is a software platform, not a provider of banking or EMI licenses.
Plans and prices
Custom enterprise platform
No public price listed; book a demo
Read 7 Oct 2026 · tuum.com
On the record
- API connectivity
- Tuum says open APIs and pre-built fintech integrations allow customers to connect third-party systems and providers.tuum.com · read 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 · read 7 Oct 2026
- Card integrations
- The Cards module lists pre-integrations with Nets and Paymentology and Mastercard tokenization support through MDES.tuum.com · read 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 · read 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 · read 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 · read 7 Oct 2026
- Core banking
- Its core banking module supports account, lending, and payment capabilities, including multi-currency accounts and virtual IBANs.tuum.com · read 7 Oct 2026
- Deployment
- Tuum describes public cloud, private cloud, on-premises, and hybrid deployment options.tuum.com · read 7 Oct 2026
- Implementation
- Tuum says its average core banking implementation takes less than 7 months to go live.tuum.com · read 7 Oct 2026
- Intended customers
- Tuum says it serves institutions ranging from multinational banks to fintechs and small and medium-sized enterprises.tuum.com · read 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 · read 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 · read 7 Oct 2026
- Modules
- Customers can select the capabilities they need from core banking, cards, Islamic banking, lending, and payments modules.tuum.com · read 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 · read 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 · read 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 · read 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 · read 7 Oct 2026
- Product
- Tuum is a modular, cloud-native core banking platform for banks and financial institutions.tuum.com · read 7 Oct 2026
