Embedded banking without borders: powering seamless global finance
Zenus Bank set out to do something few thought possible: offer U.S. banking services to customers around the world, through a fully digital infrastructure. But scaling that ambition meant rethinking the entire tech stack.
To bring their vision to life, Zenus partnered with Tuum and Purpleplum to build a cloud-native, modular infrastructure bank from the ground up—designed to power cross-border financial services for fintechs, corporates, and institutions.
Why Tuum?
Zenus chose Tuum as the core banking engine based on its:
- Global readiness: Multi-currency, API-first architecture built for cross-border scalability.
- Flexibility: Modular design tailored to Zenus’s shift from direct-to-consumer to embedded BaaS.
- Seamless interoperability: Tight integration with Purpleplum’s digital wallet platform.
- Smart migration: Rapid deployment completed in 12 months with zero service disruption.
Building the Infrastructure Bank of the Future
The partnership with Tuum and Purpleplum enabled Zenus to:
- Launch a fully unified front-to-back infrastructure for financial institutions (FIs).
- Offer virtual accounts, peer-to-peer transfers, and card services through a single API.
- Deliver advanced financial automation, from expense management to real-time reporting.
- Scale globally, while meeting complex regulatory requirements in multiple jurisdictions.
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, Zenus Bank
Want the full story?
Learn how Zenus is building the global infrastructure bank of the future.
Download the full case study for a detailed look at how Tuum and Purpleplum helped bring this bold vision to life.