LHV’s Partnership with Tuum
How LHV, one of Europe’s largest BaaS providers, powers 200+ fintechs, including Coinbase and Wise, while processing 47.7 million payments annually with Tuum.
Powering Every BaaS Use Case
Tuum powers the largest players in Banking as a Service, including LHV, Europe’s leading BaaS provider, which supports over 200 fintechs, including Coinbase and Wise. Our cloud-native banking infrastructure enables fintechs, banks, and brands to launch, embed, and monetize financial services with ease—unlocking new markets and driving revenue growth.
Built for
Scale & Growth
Tuum provides the infrastructure to power any Banking as a Service model, enabling seamless growth, scalability, and innovation.
Embedded Banking
Brands can offer banking services—including accounts, payments, and lending—within their customer journeys.
Payments & Cards as a Service
Issue physical and virtual cards, process payments in real-time, and manage transactions at scale with built-in compliance.
Wallets & Multi-Currency Accounts
Offer digital wallets and cross-border banking with multi-currency support—perfect for global fintechs and payment providers.
Banking APIs & Integrations
Connect effortlessly to payment networks, fintech partners, and compliance tools with our open API ecosystem.
Proven Success, Trusted by Industry Leaders
Tuum powers some of the biggest names in Banking as a Service, delivering scalability, speed, and seamless growth for fintechs, banks, and brands.
LHV’s BaaS Scale
47.7 M
real-time payments processed by LHV in their first year
Seamless Growth
200 + fintechs
including Coinbase and Wise, rely on Tuum to scale their banking services globally
Infrastructure Power
1000 tps
(transactions per second) are powered by Tuum while maintaining 50ms response times and 99.99% availability—ensuring seamless service even under peak demand.
Customer Success
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"Tuum’s BaaS platform gave us the flexibility to scale faster and serve fintechs globally. Their modular approach meant we could transition seamlessly while ensuring compliance and operational resilience."
Andres Kitter
Former Co-CEO at LHV Bank
"What stands out most to me about working with both Tuum and Purpleplum is the strong sense of partnership. From start to finish, collaboration has been at the heart of everything we do. I often describe the partnership team, as an extension of the Zenus team. We truly worked together as one unified team, without seeing a distinction between each partner and Zenus. It’s a seamless, incredible partnership."
Brian Frey
Head of Product and Innovation at Zenus Bank
How Tuum Powers BaaS at Scale
Tuum’s cloud-native, API-first platform ensures frictionless scalability, giving BaaS providers the flexibility to launch, expand, and optimize financial services—without disruption.
Unlike traditional setups, Tuum’s multi-core strategy allows you to run BaaS alongside existing infrastructure, eliminating operational complexity and enabling a phased, risk-free expansion.
API-First Core Connectivity
Enable fintech partners to build, launch, and operate banking products with ease. Tuum’s API-first design allows for seamless integration across accounts, payments, cards, and lending—empowering real-time product innovation at scale.
Multi-Tenant, Multi-Core Banking
Each BaaS provider operates in a dedicated, customizable environment—ensuring scalability, data isolation, compliance, and the freedom to serve multiple partners in parallel without technology constraints.
Ecosystem-Ready Integrations
Pre-built connectors and open APIs let you plug into a broad ecosystem—from KYC and AML tools to card processors and payment gateways—so you can go to market faster with a full-stack offering.
Why Leading Banks & Fintechs Choose Tuum for BaaS
Tuum provides the scalable, high-performance infrastructure that BaaS providers need to power seamless financial services—from payments to multi-currency accounts.
Scalability Without Limits
A multi-core setup that scales effortlessly—whether serving millions of customers—with 99.99% uptime and real-time processing. Expand across markets, currencies, and compliance frameworks without barriers.
Faster Go-to-Market
Turn your banking license into a fintech growth engine—launch and iterate at speed. Our modular, API-first platform lets you introduce new banking products in weeks, not years, keeping you ahead of market demand.
Seamless API Integrations
A complete BaaS stack—payments, compliance, and fintech integrations—all from a single platform. Connect instantly to payment networks, KYC/AML providers, and financial ecosystems with minimal effort.
Multi-Core Flexibility
Expand without operational chaos. Run BaaS alongside existing infrastructure to scale profitably from day one—without disrupting what works.
Built for Growth
Monetize financial services effortlessly. Serve more customers, launch new products, and scale without operational bottlenecks—ensuring profitability from day one.
Trusted by Leading BaaS Providers
Proven at scale—LHV, Zenus Bank, and 200+ fintechs rely on Tuum to power their banking services, processing millions of transactions seamlessly every day.
Power Your BaaS Platform with Tuum
Start serving fintechs and brands in weeks, not months.