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.
The Core for Strategic Expansion
Tuum is the platform of choice for launching new digital banking offerings, entering new markets, and expanding financial propositions at scale. Whether you’re a fintech in licensing mode, a global bank launching a new brand, or a regulated institution building a BaaS proposition, Tuum empowers you to innovate, go live fast—and scale without limits.
From First Customer to Global Scale
Launching and expanding new financial services should be fast, future-ready, and built to scale. With Tuum, you can:
- Go live faster with modular, configurable digital products
- Scale globally with full regulatory compliance from day one
- Grow smarter through embedded finance, BaaS, and new revenue streams
Platform Capabilities That Drive Growth
Handle high-volume transactions, automate settlements, and scale into new markets with ease. Tuum’s API-first payments infrastructure enables seamless orchestration, compliance, and real-time processing—while providing the flexibility to connect to any payment rail.
Functionally Rich, Modular Architecture
Launch and scale financial services on a single platform—beyond core. Tuum supports everything from accounts and payments to lending, cards, and Islamic banking, with the flexibility to fit your business now and in the future.
Multi-Currency, Multi-Entity
Expand into new markets with ease. Manage multiple currencies, cross-border regulatory frameworks, and business entities from a single platform.
Embedded Finance & White-Label Enablement
Unlock new revenue streams by embedding financial products into partner ecosystems or offering white-label services—like Fiinu’s plugin overdraft model.
Accelerated Go-to-Market
Launch in months, not years. Tuum’s pre-configured workflows and orchestration tools accelerate delivery and reduce compliance overhead.
Hyper-Scalable Infrastructure
Scale confidently. Tuum supports sustained volumes of 2,500 transactions per second, ensuring performance even during periods of rapid growth.
Strategic, Phased Modernization
Modernize at your own pace. Launch new services without disrupting legacy systems, and unify operations progressively.
The Platform to Launch, Expand, and Grow with Confidence
Tuum’s next-generation banking platform is designed from the ground up to help you deliver new propositions and expand into new markets—quickly, flexibly, and without unnecessary cost or complexity.
Customer Success
Proven Success, Trusted by Digital Leaders
From license-stage fintechs to multinational banks, Tuum powers digital-first growth strategies—helping institutions go to market faster, scale across borders, and reduce operational complexity, all while unlocking new revenue streams through innovative digital propositions and a low total cost of ownership.
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OP Financial Group Transforms Lending
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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 of 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, Zenus Bank
Power New Growth. Launch Faster. Expand Further.
From digital-first challengers and embedded finance innovators to established banks modernizing their core, institutions choose Tuum for our proven expertise, flexible platform, and speed to delivery. Whether you’re building a new digital bank, entering a new market, or launching and scaling an embedded wallet, Tuum works with you as a partner to drive success and deliver measurable business impact.
Get to Market Faster
Accelerate licensing, onboarding, and go-live timelines. Deliver new propositions in months—not years.
Build Exactly What You Need
Choose the right combination of modules for your business model, then expand as you grow—without starting from scratch.
Support New Revenue Models
Launch new digital offerings, support embedded finance or white-label propositions, and monetize through partner ecosystems.
Expand with Confidence
Operate across multiple markets with built-in multi-currency, multi-entity, and compliance support.
Keep Costs Under Control
Lower implementation and operational costs with cloud-native infrastructure and a modular approach that avoids legacy overhead.
Connect to the Ecosystem You Need
Integrate with payment networks, fintech partners, card processors, and compliance tools via open APIs.
Let's Build Your Next Move - Together.
Whether you’re building a new digital bank, expanding into new markets, or scaling embedded finance offerings, Tuum gives you the flexibility, speed, and infrastructure to make it happen.