Modules

Core Banking

Tuum’s Accounts module powers real-time account, transaction, and pricing operations across currencies and segments—supporting rapid product setup and high-volume processing.

• Account Management API
  Manage current, savings, group, multi-currency and virtual accounts with IBANs and account hierarchies. 
• Transaction Management API
  Process real-time credit/debit transactions with configurable types and audit-ready logic. 
• Pricing Engine
  Define custom price lists and automated fee rules by usage, volume, or tier. 
• Overdraft Capabilities
  Support pre-approved or discretionary overdrafts with configurable interest and limits. 
• Corporate Banking Features
  Enable multi-entity setups, intercompany sweeps, and cash pooling. 
• Deposit Products
  Offer fixed, notice, and flexible deposits with automated lifecycle and interest logic. 
• FX & Currency Management
  Handle FX markups, conversions, and multi-currency flows in real time. 

Payments

Tuum’s Payments module supports real-time, cross-border, and direct debit payments across SEPA, SWIFT, FX, and local rails—fully integrated with compliance and liquidity controls.

• Payments API
  Initiate and validate SEPA, SWIFT, FX, and local payments, including bulk and direct debit. 
• Processing & Exception Handling
  Straight-through processing with fallback to manual resolution. 
• Smart Routing
  Optimise settlement flows across providers with rule-based logic. 
• Settlement Integrations
  Pre-integrated with LHV, Currencycloud, Centrolink, and Banking Circle. 
• Nostro & Liquidity Management
  Track balances and positions across accounts and providers. 
• Universal Connectivity
  Open APIs for connection to third-party processors and orchestration layers. 
• AML Integration
  Automated screening with tools like ComplyAdvantage and Hawk. 

Lending

Tuum’s Lending module supports the full lifecycle of secured and unsecured lending—from origination to collections—with fast product setup, flexible repayment logic, and seamless integration across systems.

• Loan Product Management API
  Configure personal, business, auto, and green loans with flexible interest, fees, and pricing. 
• Loan Application and Offer Generation API
  Streamline applications and offers with configurable workflows and campaign support. 
• Loan Contract Management
  Automate servicing from contract setup to invoicing and repayments. 
• Collateral Management API
  Register, track, and manage asset-backed loans and collateral usage. 
• Debt Management API
  Automate overdue tracking and collections workflows. 
• Corporate Credit Support
  Manage umbrella limits and exposures across legal entities. 
• Seamless Integration
  Connect to risk, underwriting, and collections tools via open APIs. 

Cards

Tuum’s Cards module enables instant issuing and full lifecycle control for debit, credit, and prepaid cards—supporting digital wallets, fraud controls, and credit contract logic.

• Lifecycle & Issuer Management
  Issue, activate, block, and renew cards across schemes and segments. 
• Transaction Processing & Clearing
  Support real-time authorisation and clearing file reconciliation. 
• Pricing & Limits
  Set fees and usage limits by product or customer profile. 
• Fraud & Control Rules
  Enforce authorisation logic and blocking rules to reduce risk. 
• Processor Integrations
  Connect to Nets, Paymentology, or any external processor. 
• Credit Contract Management
  Support standalone credit card contracts and repayment terms. 
• Instalments & Tokenisation
  Enable card instalments and tokenise Mastercard cards via MDES.

Islamic Banking

Tuum’s Islamic Banking module enables banks to deliver fully Sharia-compliant services—either as standalone Islamic banks or through Islamic windows—while ensuring alignment with AAOIFI standards and seamless integration with core or external systems.

• Islamic and Islamic Window Mode
  Deploy as a dedicated Islamic core or operate in parallel with conventional systems to serve multiple segments. 
• Islamic Accounts & Deposits
  Offer account types based on Mudarabah, Wakalah, Wadiah, and Qard Hassan—with automated profit/loss sharing, conditional returns, and full contract lifecycle support. 
• Profit-Sharing Module
  Manage independently or alongside other cores, with full profit distribution logic. 
• Asset-Backed Finance Module
  Support for Sharia-compliant consumer and business financing using the Tawarruq model, with real-time asset trading via integration with DDCAP.