Tuum

Tuum is an API-first, cloud-native core banking platform founded in Estonia by five banking technology veterans. The platform provides modular financial infrastructure — including core banking, lending, payments, cards, and Islamic banking — enabling traditional banks, neobanks, fintechs, EMIs, and PSPs to launch and modernize financial services without legacy constraints. Tuum is cloud-agnostic, highly configurable without coding, and supports multi-currency accounts and cross-border payments. Clients include large multinational banks and emerging fintechs across Europe and the Middle East. The platform processes 86 million daily transactions with 99.99% uptime and holds ISO 27001, SOC 2, and PCI DSS certifications.